vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
On or about XX/XX/XXXX my vehicle was repossessed. The vehicle information is as follows : XXXX XXXX XXXX XXXX : XXXX I was never notified of a notice of Repossession, nor was I notified of the plan to sell the property. I contacted Santander Consumer ( Finance Company ) on XX/XX/XXXX to get a copy this notice and it still has not been received. They stated it was sent to the following address on XX/XX/XXXX. The representative that I spoke to stated that the letter went out to the wrong address ( so it was never received ). I always wanted to know why the memo went out on the day the vehicle was received. The representative said she was unable to answer these questions and also stated the President of the company will notify me. I still have not received this phone call from the President nor mail correspondence. 

Additionally, I am currently and have been serving on XXXX XXXX ( XXXX XXXX ) for the past 15 years. I am protected under the Servicemembers Civil Relief Act ( SCRA ). The Servicemembers Civil Relief Act prevents car lenders from repossessing a vehicle without a court order while in military service. This act protects me until I depart and separate from military service ( I am still serving ). 

I am disputing this case because I was not given the owed timeframe to recover the vehicle, nor was the intent letter sent to me before the vehicle was repossessed. Now this balance is on my credit report and has affected my score immensely. Additionally, there was no notice or court order, the car was repossessed illegally, I am disputing the payoff balance of {$4100.00}. 

I hope I get the justice I receive. 

Thank you for taking the time to consider my case. 

I can be reached via email at XXXX or by email at XXXX. 

Very Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX I received a notice of identity thief. After contacting equifax about this matter, I paid for a report, dated XX/XX/XXXX. Equifax had a lot of information wrong on the report. I went through a rigorous amount of paper work, phone calls to try to get this all corrected. The fraud was a student loan that was not my signature. After contacting the collection place XXXX I had to do a police report and send in documents supporting. This took several attempts along with Equifax not having correct information too. I sent copies of my ss #, driver license, correct address etc all supporting documents to All three Credit Reporting Agencies, IRS, My attorney, so that it would be cleared up. 3 yrs is too long to have to keep taking time from my busy schedule to keep reaffirming my correct information. It was all cleared up in XX/XX/XXXX. The collection company sent a letter, as did the IRS. Now the issue is that Equifax still has Wrong information, that they were to remove but didn't. When a company is asking to verify who I am, and all of the questions are pulled from my credit report ... ... .the questions are wrong because I never lived at the incorrect address information, nor the student loan questions. I have tried to clear this up with Equifax and again to verify who I am, they want me to answer security questions that are not correct information. There has to be a more efficient answer for security questions, If they go by the questions off a credit report, then that credit reporting agency should have correct answers that only that person would know, like what is favorite nephew questions, ( information that I would only know ) not someone who has a copy of my file. My credit union was asking me to verify myself, and it was pulling the questions and answers from an inaccurate credit reporting agency. On XX/XX/XXXX I logged on to eqifax website to get a free credit report and after answering the security questions with the correct answer of NONE above, it denies me access. I call and they want me to verify with the same WRONG information. 
Help, I am so wore out over this merry go round with them. I had disputed information with Equifax all XX/XX/XXXX-XX/XX/XXXX. I shouldn't have to resend them my SS #, drivers license, etc. They have all that from last year. I can't dispute anything until I answer those question with wrong info and I don't want to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reached out and filed disputes with Transunion, XXXX and XXXX about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XX/XX/XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year XX/XX/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 2018-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX I had made an ACH Payment through the NFCU app. On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, and decided to trade my XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX XXXX. I contacted Navy Federal Credit Union for a 14 Day Payoff for my XXXX XXXX XXXX XXXX, this was necessary for the Lease agreement with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX. I received a 14 Day Payoff from Navy Federal Credit Union for my XXXX XXXX XXXX XXXX, which was good until XX/XX/XXXX. I noticed that XX/XX/XXXX fell on a Saturday and discussed my concerns with the Customer Service Agent. While on the phone with the same agent who gave me the 14 Day Payoff, I inquired if the payment I made the day prior had been processed and applied to the account. I was informed it had not been applied and the 14 Day Payoff did not include the XX/XX/XXXX payment. The Customer Service agent told me that he processed an ACH Payment Reversal since I was trading in the XXXX and it wasnt included in the payoff. The agent advised me to contact XXXX to try and catch it just in case. This payoff amount was given via telephone, and on the Navy Federal Credit Union XXXX Application. XXXX XXXX XXXX mailed the 14 Day Payoff on XX/XX/XXXX. My monthly payment was due XX/XX/XXXX of every month. Previously NFCU has posted payments or fees on this loan on Saturdays, when it benefit NFCU interests. Despite receiving the loan payoff prior to XX/XX/XXXX NFCU did not process the payoff causing second and third order affects, a late fee and causing the payoff to expire. On XX/XX/XXXX promptly applied a {$29.00} late fee to the loan. Navy Federal Credit Union did not process the loan payoff until XX/XX/XXXX. Additionally, Navy Federal Credit Union erroneously applied the payoff payment as a regular payment. Then Accounts Receiving reversed the misapplied payoff payment. Furthermore, Navy Federal Credit Union Accounts Receiving processed only {$48000.00} which is a portion of the payoff to principal balance. Navy Federal Credit Union applied the remainder into another adjusted split payment of {$2300.00}, {$1700.00} to principal and {$610.00} to interest. I followed the advice and guidance from the NFCU Agent, and I need this resolved before XX/XX/XXXX to prevent further damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: Conn's, Inc.
State: CO

Complaint narrative:
I had opened up an installment loan with a company for a microwave and some furniture however i returned the furniture and was told that i was issued a credit to my account so my balance was lowered to about 1,000.  But now i not only have the original account on my credit report but also another one from the same company when i only had 1 account. I was never issued a credit and now my debt is twice as much even. No one that i talk to you can or will help me with the company and i have tried disputing it with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had one issue with false delinquency being reported on my account and the company that reported it confirmed it will be removed in 30 to 60 days, great!!!! 
Now Experian just dropped my score by 22pts today XX/XX/18 and it's showing I was late on a payment last month bit doesn't provide which account it was reported on and like I said before, I NEVER MISS PAYMENTS ... .. Experian I am tired of the false info being on my account and never being able to get straight answers on who, what or why it's there. 
I just want the stuff off my account.

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 2018-02-20 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Today is XX/XX/XXXX. I have been disputing these inquiries since at least XX/XX/XXXX. I have called the companies that are listed with inquiries and they tell me either they have no record of me in their systems or have not initiated the inquiries. I want them removed from my credit reports. According to Equifax they are " permissible purpose '' inquiries. If the companies claim they have no record of me or an application on or around the dates listed, then there WAS NO " PERMISSIBLE PURPOSE '' whatsoever. I want the inquiries listed below deleted immediately. 
XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX  XX/XX/XXXX,  XXXX XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX AND XXXX XXXX COMMITS FRAUD, he claims i owe something when the original instrument is quite valuable i see they make up excuses to keep this alleged ''bad check '' that they made profits from and keep secrets, if the check was bad so give it back, but rather the contrary i did them a favor and made them a securities instrument they can sell because thats what they do to everybody. 

Unless you can provide a verified complaint which lawfully consists of a sworn statement under penalty of perjury notarized with your wet ink signature also provide me with proof of debt which would be a bill other rather than a statement all this XXXX you're talking about is nothing but presumptions and word semantics and I'm not falling for it because you're guilty and I'm going to prove it furthermore you have not cited the particular federal law you speak about which federal law? Quote me the citation that you highlighted in your little book that you sent to me show me the actual federal law that you speak of. A bill would show something that's old I have never received a bill. The check that you have sold as a Securities instrument with my wet ink signature I have located it and when I fly over on the airplane to retrieve that instrument all XXXX XXXX is going to break loose I'm going to expose the biggest fraud of the banksters you don't XXXX sell my XXXX signature and make profit off of it and then tell me that I owe you something let me tell you something 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 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a debt validation letter to XXXX XXXX XXXX in XX/XX/XXXX, never received anything in response. I spoke with an account manager on the phone for XXXX XXXX XXXX and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that XXXX is reporting different amounts to each Bureau, and also reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, Trans Union and XXXX both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month XXXX has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.

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 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a debt validation letter to XXXX XXXX XXXX in XX/XX/XXXX, never received anything in response. I spoke with an account manager on the phone for XXXX XXXX XXXX and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that XXXX is reporting different amounts to each Bureau, and also reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, XXXX XXXX and Equifax both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month XXXX  has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
This letter is to advise that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Practices Act, 15 USC 1692g Sec.809 ( b ) that your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant to the above named title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

A computer printout from your company of the alleged debt does not constitute a copy of such verification and or judgment as required by the Fair Debt Collection Practices Act. You will authenticate the debt by providing me with copies of the original paperwork and or court ordered judgment that is valid. I am also requesting validation in the form of a copy of the original contract baring my signature made by me that states I have contractual obligation to pay you, At this time I will also inform you that if your office have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, XXXX ) This action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit reports by your company or the company you represent. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or validated. You are also required by law to provide with a copy of the original signed contract. If your office fail receipt, all reference to this account must be deleted and completely removed from my credit file and a copy of such deletion request be sent to me immediately. 

Best Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reached out and filed disputes with XXXX, Equifax and XXXX about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XXXX of XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reached out and filed disputes with XXXX, XXXX and Experian about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XXXX of XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year 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