vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
A late fee was applied last month. I paid the late fee with the note on XXXX XXXX. My next note is due XX/XX/XXXX, however a late fee is still included for the month. My interest rate balloons upward of 27 %. I've had the car two years and only about XXXX went to the principal. I have called several times to address both. They say the money will be applied properly and it normally takes two or more calls for them to make corrective action. I was also told they do not refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I asked for verification of this account. From the XXXX directly and from the credit bureaus From the XXXX I requested a copy of any documents provided bearing my signature. Copy of original contract. Any documentation that verifies loan is mine. Never received anything from them Contacted credit bureaus. 
Asked for the description of the procedure used to determine the accuracy of the information Name and address of person contacted regarding this account. A copy of any document showing that I legally binding contractual obligations to pay them the amount claimed

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I asked for verification of this account. From the XXXX directly and from the credit bureaus From the XXXX I requested a copy of any documents provided bearing my signature. Copy of original contract. Any documentation that verifies loan is mine. Never received anything from them Contacted credit bureaus. 
Asked for the description of the procedure used to determine the accuracy of the information Name and address of person contacted regarding this account. A copy of any document showing that I legally binding contractual obligations to pay them the amount claimed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I asked for verification of this account. From the XXXX directly and from the credit bureaus From the XXXX  I requested a copy of any documents provided bearing my signature. Copy of original contract. Any documentation that verifies loan is mine. Never received anything from them Contacted credit bureaus. 
Asked for the description of the procedure used to determine the accuracy of the information Name and address of person contacted regarding this account. A copy of any document showing that I legally binding contractual obligations to pay them the amount claimed

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 2022-12-23 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2022-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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
Consumer complaint received 2022-12-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax wont allow anyone to run my report Special Messages Indicator : Information From Inquiry Identified As Potentially Fraudulent or Misused - Report Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I did a wire with Wells Fargo bank using the same exact template that I saved in their system to Wire money in the past so that I can purchase products for my business. The wire per Wells Fargo should arrive by XX/XX/XXXX but they never send the money to the recipient and I file a claim to return my funds. I was given a complaint number but they kept giving me inconsistent response regarding when my funds will be returned. 

When I tried to transfer the rest of my funds to my other business account after I verified the account was mine they decided to completely shut me out of the system even after I received a call from their rep to verify the transaction. As of right now I do not even have access to my account at all and Ive tried several times to get help so that I can just have visibility to my account to see whats going on but still theyre not allowing me. I had about {$15000.00} at the time they lock me out. I initiated a {$10000.00} transfer which I believed triggered them to lock my online access which is still pending in the other business account at a different bank and Im afraid theyll not release the hold on that XXXX too and theyll just try to con me out of my clients money My wire that I initiated was for {$25000.00} and I need my funds back to continue doing my business.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is a follow up to CFPB complaint XXXX, my online access issue continues to be unresolved. 

I am still unable to access my online Equifax account, where I was at one time was fully registered. Per Equifax response to XXXX, I went to create a new account and was prompted that I have an existing one. I attempted to recover that existing account and got the same " Please give us a call, We can't complete your request at this time, Please call the Customer Care team at XXXX '' that I have been receiving for several months now. I have called this XXXX number several times, where I am told the issue is resolved and to just wait a few days to get access. It remains unresolved. 

How many times do we need to attempt the same process to arrive at the same unsuccessful result?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
I walked into XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX And paid a fee to walk away with a used vehicle XXXX the book value was never discussed with me of the vehicle prior to the buy. This car was reported to have a book value of XXXX they set it at {$9900.00} They sold this debt to mid Atlantic the holder of the debt I was not aware that I would be paying XXXX times what the car is worth. The car now has a book value of XXXX i had my car repossessed illegally this morning because I can not afford the high payments on this car XXXX, every other week. They are holding my property for ransom and asking I pay a fee for the belongings inside the vehicle which is my debt cards my wallet. Mid Atlantic has not reported correctly to all three credit bureaus and in the online payment system is blocked right now because of the repossessed vehicle. The online payment says 50 days past XXXX as of XX/XX/23 XXXX XXXX  and just now I logged back in a few minutes later and they are doing some fraudulent charges of upping the fees as I logged back in to see XXXX They are monitoring when I logged in and glitching the system to fool me into changing the fees more then what is actually due. The payment is XXXX, by-weekly and they are changing from XXXX to 51 days in a matter of seconds in their online portal. This is not the first time Mid Atlantic has done this. I have told them that I have a right to recind this contract due to all the fraudulent charges that I have incurred and illegal repossession of this old vehicle that I have paid off since the down payment of the sum of all charges. This is illegal to spike a price of an old car to XXXX times over the book Valu. The place where I first got it where I have the original paperwork from XXXX XXXX and I recently noticed a charge that I never knew about that included charges of XXXX of a shipping fee from pennsylvania to ship the car to Florida at the lot where I got this car from. I never knew of this. They never told me. Right now as I write this letter on the XX/XX/XXXX @ XXXX my car is gone repossessed. Mid Atlantic debt collection company is the most corrupt company around and so is XXXX XXXX where the car came to me from. I did not understand what I was signing initially and I was not given any documents stating my rights that I have a right to recind the contract. Mid Atlantic charging repossession fees of XXXX dollars to pick up the vehicle is illegal and changing the fee online on purpose within a matter of seconds I saw 50 days to 51 days and XXXX. To XXXX. To pay. They have blocked in the system to pay online and its because they want me to pay additional fees of the repossession tow guy place. Mid Atlantic phone number is XXXX ext XXXX or XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
{$1000.00} in XXXX chase accounts being held by bank. Cant access funds wont give money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Im not sure if this is where I should take this, my daughter bought a business and my wife and I co-signed for loans because of being young and limited credit, this was XXXX, in XXXX her business failed, so knowing We had co-signed I took a home equity loan and paid the loans off, m & t bank was the bank involved. Now moving forward I received a letter from the treasury that a XXXX loan wasnt paid, XXXX of this year XXXX yrs after the fact, so we contacted the daughters bankruptcy lawyer to see what they were talking about, I have the payoff receipts and monthly receipts, but the payoff receipt has one account number and their were 3 loans it was called a bundle loans, our lawyer is trying to get the break down on the payoff where the money was dispersed, my social security is being garnished for a loan I paid, we cant afford to spend thousands on a specialty lawyer, dont know what we can do, any help would be greatly appreciated, thanks Sent from my 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 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
I'm victim by identity theft, I don't recognized this fraudulent activity on my account and they destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Island Finance Puerto Rico
State: PR

Complaint narrative:
I am receiving almost on a daily basis a call from Island Finance trying to collect a debt from a person that I do not know. They say that I'm a reference contact and I have never consented to being a contact for anybody. Moreover, I not know who the person they are trying to contact is. 
I have told them this and the collector refused to believe me and keeps calling. I called their customer service line and reported the situation and the caller, they told me they would investigate and remove me from their calling list. Yet I still receive calls. I am currently blocking these calls but the collector keeps leaving voicemails asking for this man that I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: CO

Complaint narrative:
I am up to date with my monthly payment obligations yet on XX/XX/2022 ( in-between the due dates ) made a principal only payment in the amount of {$10000.00}. I specified to have it applied to principal yet it was not. When asked why, UpStart stated all payments will be applied to principal, interest and fees. 

According to my promissory note, any partial payments which includes principal payments are to be applied to principal solely when monthly obligations have been met. This is banking 1-on-1.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE LOOK AT MY CREDIT REPORT. I HAVE HAD A FREEZE ON ALL 3 CREDIT BUREAUS AND HARD INQUIRIES ARE STILL HAPPENING. IF THE CREDIT COMPANIES DON'T FIX AND CFPB DON'T FIX, WHAT IS MY NEXT STEP. THE HARD INQUIRIES ARE KILLING ME. I RECENTLY ( 1 WEEK AGO ) TOOK THE FREEZES OFF ALL THREE. I RECENTLY HAVER TRIED TO GET A XXXX XXXX  ON BALANCE TRANSFERS BUT DENIED DUE TO HARD INQUIRIES. INITIALLY I HAD THE SAME PROBLEM WITH EQUIFAX, XXXX, AND XXXX. ALL THREE REPORTS HAVE SHOWED I HAVE A SIGNIFICANT AMOUNT OF INQUIRIES. I DISPUTED ALL THREE COMPANIES VIA EMAIL AND PHONE BOTH. WHEN I DISPUTED VIA EMAIL, IT TOOK THEM ONLY 1-3 DAYS TO COMPLETE. PROBLEM WAS, NOTHING WAS FIXED. SO THEN I CALLED TO FIX THE ISSUE ON ALL 3 REPORTS. MY HOLD TIMES WERE UNBELIEVABLE. ANYWHERE FROM 90 MIN TO 3 HOUR HOLD TIMES. NEEDLESS TO SAY, AFTER FINALLY GETTING A HOLD OF SOMEONE, THEY STATED TO PUT A FREEZE ON MY REPORTS. I DID WHAT THEY REQUESTED. AGAIN, THE INQUIRIES ARE STILL ON THERE. I COMPLETED A FRAUD INVESTIGATION WITH ALL 3 COMPANIES AND I STILL HAVE A FREEZE ON ALL THREE COMPANIES AS THEY REQUESTED. THE OVERALL PROBLEM STILL REMAINS WHICH IS I STILL HAVE A UNBELIVABLE AMOUNT OF HARD CREDIT INQUIRIES CAUSING MY SCORE TO BE BELOW XXXX. MY SCORE WILL BE XXXX OR ABOVE IF THE WOULD FIX MY REPORT. THANK YOU FOR YOUR TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc.
State: GA

Complaint narrative:
Porsche Financial Services does not provide accurate and clear payments due and schedules upon making successful payments ; and thus, applies aggressive late fees for error on their part. Porsche requires customers to pay for leases and loans electronically via its app ; it is a very labyrinth process to find porsche financial services " module '', which will then take you to your account to pay the bill. Upon using the module, you are provided your due payment, and which I pay every time by the due date, however ; I may have inadvertently missed a pay cycle due to being incapacitated with XXXX, nevertheless, the app only shows what is due. For someone my age and skill, I wouldn't know that additional payments are still due upon successfully making a payment about before the clearly disclosed due date, if payments are in the arrears, that should be shown as well, and fully disclosed. As a result, Porsche Financial Services has not only charged me one aggressive $ XXXX late fee, but two times, within the past two monthly payments to no fault of my own. Porsche Financial Services needs to revamp its module to make it clear of what is due and what is still owed, to prevent people with illnesses or circumstances to lose sight of what is due in a given payment cycle, and with good intentions, make the payment schedule conspicuously clear so that they are not inadvertently financially harmed by your system and design.

Company response to consumer: Closed with explanation