vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have had a mortgage since XX/XX/XXXX initially with XXXX  XXXX XXXX who acquired the loan from a predatory lender. I was with XXXX  XXXX XXXX from XXXX until XXXX at that time XXXX sold the loan to XXXX XXXX ( XXXX ) ; my credit report has been absent of any payments made on this account since it was transferred to XXXX XXXX XXXX. Therefore, if I try to obtain any mortgage refinance or looking to obtain credit for paying my mortgage on-time, this information is not noted.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have had a mortgage since XX/XX/XXXX initially with XXXX  XXXX XXXX who acquired the loan from a predatory lender. I was with XXXX  XXXX XXXX from XXXX until XXXX at that time XXXX sold the loan to XXXX XXXX ( XXXX ) ; my credit report has been absent of any payments made on this account since it was transferred to XXXX XXXX XXXX. Therefore, if I try to obtain any mortgage refinance or looking to obtain credit for paying my mortgage on-time, this information is not noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have had a mortgage since XX/XX/XXXX initially with XXXX  XXXX XXXX who acquired the loan from a predatory lender. I was with XXXX  XXXX XXXX from XXXX until XXXX at that time XXXX sold the loan to XXXX XXXX ( XXXX ) ; my credit report has been absent of any payments made on this account since it was transferred to XXXX XXXX XXXX. Therefore, if I try to obtain any mortgage refinance or looking to obtain credit for paying my mortgage on-time, this information is not noted.

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 2023-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Over the past 3 years, I have been trying to refinance my current home loan with Mr. Cooper ( NationStar ) to pay off some bad debt. Each time I apply, I am given some discriminatory reason as to why I am not eligible for a refinance even when I have the credit rating, the income and meet all the necessary criteria. However, all NationStar Loan Specialist - look high and low for reasons not to offer me a refinance based on race- even when there's ample money after the loan amount exceeds the 80 % rule and the property and comps in the area are more than XXXX XXXXXXXX higher the amount owed. I have been told I didnt meet the criteria because I owed money from a home loan modification that is not shown on my monthly mortgage statement - hidden debt. the home loan modification was placed at the back of the loan as an addition. I have been told my actually mortgage owed is XXXX XXXXXXXX plus XXXX XXXXXXXX from the modification. This is illegal and unlawful monies being added to a mortgage loan that was initially XXXX  XXXX. The math is not adding up based on my documents. I tried to obtain a refi in XX/XX/XXXX and was given another excuse and then again today, XX/XX/XXXX. I was told my HOA does not accept FHA Refi loans ; how can my HOA dictate whether or not I am able to refinance and under what programs, i.e., FHA, XXXX, XXXX. I was also told I owed XXXX and XXXX XXXX neither of which are on my credit report. When I go into my mortgage account - nothing shows a refinance was even processed. After I am told verbially I can't refinance, I never receive supporting documents to conclude their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2023-07-26 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: PA

Complaint narrative:
I downloaded the App Self with the intent of having them help me raise my credit score. I did everything they asked of me and paid the XXXX fee to make the transaction happen. After they took my money, a week later theyre saying they cant verify who I am. 

Now if you cant verify who I am then thats fine but they didnt return the XXXX dollars they took from me. Does this make any sense?? You cant verify who I am but you can take my money??? 

I asked them to refund the the money asap but they continue to say its non refundable which makes no sense as they didnt do what I paid for them to do. 

I either want them to honor our agreement or refund my money. Anything other than that is fraud. 

Thank you for your help with this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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. 

Account : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
To whom it may concern : After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom it may concern : After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

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 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
I bought a XXXX XXXX XXXX from XXXX motors in XXXX Alabama that recently changed their name to XXXX I immediately brought to their attention that no sooner than I drove off the lot the cv axels was shaking so bad they was about to break, there's a bad power steering leak, bad oil leak, the electrical wires has been cut and rigged. They said they would fix it ir put me in a new car which they never did, when my first month 's payment was due they illegally repossessed the car costing me {$700.00} to get it back instead of the {$300.00} carnote again I mentioned the mechanical issues still unresolved. Today I received a letter from American Credit Acceptance notifying me that apparently the carlot sold my account to them and did not hold up to the deal that they agreed to. I was supposed to only owe {$100.00} payment XX/XX/XXXX and my payoff was supposed to be {$3000.00} not {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
CPS, INC aka Consumer Portfolio Services , Inc. placed inquiries on my XXXX and XXXX credit reports on XX/XX/XXXX and XX/XX/XXXX. According to their telephone attendant, they are a debt collection company. However, I learned they are also a auto lending company. I did not apply for credit with CPS, nor did I apply for a loan with them. They did not have my permission to run credit checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America reported to the credit bureaus that I did not make a car payment and that my balance went up as a result. This damaged my credit score. This was not true. Bank of america did a 30 day investigation and came back that because my payment history was good that they must have reported correctly without looking at the reporting. I filed disputes with all 3 credit bureaus and bank of america responded to them that their reporting was correct. It was not correct. This resulted in the bureaus not fixing the credit issue. Bank of america then corrected the credit report but did not respond or contact the credit bureaus to let them know that their original response was not correct and that they have made corrections. My credit is still damage and Bank of america still denies responsibility despite reporting incorrectly.

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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had submitted Complaint Id XXXX and the response offer from wells fargo was if i paod {$990.00} by XX/XX/2023. All interest charged would be waived. I paid the required amount online and interest of more than {$1500.00} has not been waived. I have attempted to talk to the escalation person who sent offer and left multiple messages but no response or call back

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 monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The student loan debt listed on my credit report should have been discharged in XXXX  under Bankruptcy Case # XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXXXXXX and ( 2 ) XXXX  XXXX basically destroying my debt to income ratio ; I never owed XXXX XXXXXXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The student loan debt listed on my credit report should have been discharged in XXXX  under Bankruptcy XXXX # XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXX and ( 2 ) XXXX  XXXX basically destroying my debt to income ratio ; I never owed XXXX XXXXXXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The student loan debt listed on my credit report should have been discharged in XXXX  under Bankruptcy XXXX # XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXXXXXX and ( 2 ) XXXX XXXXXXXX basically destroying my debt to income ratio ; I never owed XXXX XXXXXXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.

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 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I just paid off a high interest loan from credit acceptance for a XXXX  XXXX XXXX for about XXXX i got into a accident back in XXXX and lost the car but still paid it and was able to get them to close the account, now I need a new car and they are asking for a down payment for a XXXX XXXX XXXX car when I was already pre approved, I went to XXXX XXXX XXXX off XXXX XXXX on XX/XX/XXXX and they ran my credit but demanded a down payment. i believe my rights as a American citizen are being denied by both credit acceptance and the dealership by the request for a Down payment and they're refusal to abide by the consumer law codes 1611 ucc and 1605

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