vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: CREDIT CONCEPTS, INC.
State: WA

Complaint narrative:
Credit Concepts provided financing for XXXX vehicles, the first being a XXXX XXXX valued at {$14000.00} in XX/XX/XXXX, which unfortunately was stolen, recovered, and declared a total loss. Despite having full coverage and XXXX insurance, XXXX and my XXXX covered the cost of the vehicle. However, I discovered an unfamiliar account and date on my XXXX report shortly after the payment. Upon contacting them, I expressed my concern about the impact on my XXXX XXXX and the apparent duplication of payments. Their response was simply, " your account has been zeroed out now apologies, '' without further explanation. In XX/XX/XXXX, I acquired a XXXX XXXX for {$7600.00}, only to find out that Credit Concepts was once again the lender. Unfortunately, the same situation occurred XXXX months later, and my full coverage and XXXX insurance covered the cost. Subsequently, I received multiple emails from the company regarding additional fees and late payments. Then, a lady arrived at XXXX PM and served unsigned papers to my XXXX son, mistaking her for his friend 's mother, which led him to open the door. Now, the company is seeking to garnish my paychecks for {$1300.00}, as communicated by my supervisor. This has left my children and me without a vehicle and in an ongoing struggle. I am left wondering about the legality of these actions and the impact it has had on our lives.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX, XXXX and demand for disclosures under TILA of all companies who are servicing my transaction and who actually received all my money. 

On XX/XX/XXXX I paid {$1100.00} for for home insurance policy XXXX from my own funds. 

According to response form Artificial Intelligence robo-signer [ robot ] " XXXX XXXX '' which pretend its PennyMac Loan Services , LLC XXXX XXXX XXXX XXXX " on XX/XX/XXXX, we received your latest Insurance Declaration from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, effective XX/XX/XXXX, to XX/XX/XXXX, with a XXXX  due of {$1100.00}, which we paid on your behalf through your escrow account on XX/XX/XXXX ''. 

This is a lie. ALL payments for my home insurance policy are made by XXXX XXXX XXXX and - according to provided to me by lawyer XXXX XXXX XXXX screenshot from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these money were received by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I demand under XXXX, XXXX and XXXX 15 USC 1641 to provide me a copy of wire transfer receivet, cancelled check, ACH evidencing payment for my home insurance policy on XX/XX/XXXX - or any other time I demand explanations why XXXX XXXX XXXX XXXX for my home insurance - and receive all these money back via its XXXX XXXX XXXX, XXXX XXXX I demand to disclose the source of authority who authorized XXXX XXXX to make payments for my home insurance and the source of funds from which XXXX XXXX makes these payments to themselves acting under name of XXXX XXXX XXXX. 

I demand to disclose the name and direct contact information of an authorized employee who made this payment and who can verify it. 

I demand to provide me the name and direct contact information for the Creditor who owns the account receivable from which this escrow payment was made.

I demand a copy of the ledger of this account receivable evidencing that payment for my home insurance was made from my escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I got sick and tyred this Friday of my account being blocked from making a payment. First, I got into my account, but Chime did not allow me to use my computer to send money for rent payment and redirected me to do it on my phone. When I got on the phone, I was not allowed to do it either. So, the agent had been consulting and finally I was transferred to another agency. I was demanded to do a special verification first. They told me to catch the link sent on my phone, to scan both sides of my ID and after that take a selfie. I could not fall through with that suddenly requested nonsense after I along with SS direct deposit was their customer for a several years. My first call took an hour of my time and the link didn't work, the phone was slow and getting frozen, and had a trouble opening the link and when I finally tried to take a picture the agency disconnected and did not call me back. The second call took another hour. In my second call, I asked for a supervisor and didn't get XXXX. I was told that the supervisor will not make a difference. I had to demand agent XXXX to connect me with supervisor. I was kept on hold and still did not get it. The second call took already another hour and when I finally tried to scan my ID again, it clicked and the phone got disconnected, like the picture of my ID got stolen. I told them that I am going to complain to the CFPB, because they obviously did not allow me to use my money, refused to connect with supervisor, created a new rule that was an obstacle not to let me use my money. Something strange is going on against American citizens while XXXX XXXX XXXX XXXX XXXX Why suddenly Chime began to demand from me to use my phone for Chime application and didn't allowing me to do it on my computer. After that saga I tried to access my account back on my computer. This time, I wasn't allowed to access my account. This is obviously outrageous abuse. It didn't look good at all and I feel like picture of my ID got stolen. What it was for? Now, I have do not getting sleep and type with XXXX finger that complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX SECTION XXXX A.STATES I HAVE THE RIGHT TO PRIVACY. 
XXXX XXXX XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

Resources 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 2024-08-17 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I have provided my photo ID along with required documents. 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I have provided my photo ID along with required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX HAS 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not authorize any of these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX, XXXX and demand for disclosures under TILA of all companies who are servicing my transaction and who actually received all my money. 

On XX/XX/XXXX I paid {$1100.00} for for home insurance policy XXXX from my own funds. 

According to response form Artificial Intelligence robo-signer [ robot ] " XXXX XXXX '' which pretend its XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " on XX/XX/XXXX, we received your latest Insurance Declaration from XXXX XXXX for policy number XXXX, effective XX/XX/XXXX, to XX/XX/XXXX, with a premium due of {$1100.00}, which we paid on your behalf through your escrow account on XX/XX/XXXX ''. 

This is a lie. ALL payments for my home insurance policy are made by JP Morgan Chase and - according to provided to me by lawyer XXXX XXXX XXXX screenshot from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these money were received by JP Morgan Chase via its XXXX XXXX XXXX, XXXX I demand under XXXX XXXX XXXX XXXXXXXX 15 USC 1641 to provide me a copy of wire transfer receivet, cancelled check, XXXX evidencing payment for my home insurance policy on XX/XX/XXXX - or any other time I demand explanations why JP Morgan Chase pays for my home insurance - and receive all these money back via its XXXX XXXX XXXXXXXX, XXXX XXXX I demand to disclose the source of authority who authorized JP Morgan to make payments for my home insurance and the source of funds from which JP Morgan makes these payments to themselves acting under name of XXXX XXXX XXXX. 

I demand to disclose the name and direct contact information of an authorized employee who made this payment and who can verify it. 

I demand to provide me the name and direct contact information for the Creditor who owns the account receivable from which this escrow payment was made.

I demand a copy of the ledger of this account receivable evidencing that payment for my home insurance was made from my escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXX order was placed and my bank compromised my debit card for my XXXX check come on there I am out of state can't provide identification because my id was stolen or lost if I didn't place order with XXXX my account still would be cleared and I would be able to spend using my debit card. Why can't I order things using my debit card online should be perfectly fine if money is available within a day or XXXX my money was available that same day a few hours later that's when I checked My card and my check was available so I tried to draw money from my account at the ATM machine and it showed error as no funds and that's when my card was placed on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX and im writing this letter because i have noticed this problem on my credit report in XXXX XXXX i am writing to delete the following items in my file. The items i need to be deleted are listed below in the report. I was hoping you can delete the items thats listed below. I need to get my house loan as soon as possible. I am a victim of identity theft and i did not make the charge. i ask that the items be deleted to correct my credit report.I Reported my theft to the Federal Trade Commission and i also have copies of the federal trade commission identity theft affidavit. please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX I signed a loan agreement with XXXX XXXX XXXX. It was a car loan in the amount of {$17000.00} for a XXXX XXXX XXXX. I made payments from XX/XX/XXXX- XX/XX/XXXX. I stopped making payment because my car was impounded and sold between XX/XX/XXXX and XX/XX/XXXX. The remainder of the loan for XXXX XXXX XXXX was for {$13000.00}. They sold my loan to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX has refused over XXXX times to update there information on all 3 bureaus when it comes to when the debt was sold and to who it was sold, this continues to mark me as a late payment with trans unions credit report because the have continued to neglect updating that I dont have to make a monthly payment to them anymore because Im settling with XXXX XXXX XXXX who they sold too. XXXX XXXX XXXX is being completely unhinged and outright dishonest about there practices. Please help me with this dilemma as Ive tried over a dozen times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Original Creditor and Natural Man hereby rescind my consent to be liable to perform on the contract agreement i entered with Enterprise Car Sales on XXXX XXXX. 
I entered into this contract agreement with XXXX XXXX XXXX without XXXX ). Full disclosure of my right to rescind XXXX ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that DEALERSHIP willingly and knowingly took advantage of me and my consumer credit. 
I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as i have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission i am not liable for any finance or other charge. 
Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 
In addition, I was given false and deceptive information ( violation of 1692e ) as i was told that a down payment of { {$4200.00} } was needed in order to drive off of the lot. 
Pursuant to 15 usc 1605a - a finance charge is sum of all charges. 
Down Payment Reimbursement shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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