vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 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: Credit Karma, LLC
State: KY

Complaint narrative:
On XX/XX/2022 I received a preapproved loan with XXXX XXXX XXXXXXXX through Credit Karma. That was the only reason for me submitting the application at that time. I was then denied that loan for {$5000.00} preapproval amount. XXXX XXXX XXXX contacted me on XX/XX/2022 via email and phone call informing me of the the denied loan. Stating I have high utilization credit, and too many open credit accounts ( I was not sure what that meant ) being the reason for my denied loan. When reviewing the email it stated XXXX determined I was not approved, but under Credit Karma no information is being reporting from XXXX, only from XXXX and XXXX. So I had no knowledge of the information from XXXX through my Credit Karma account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: Selene Holdings LLC
State: FL

Complaint narrative:
Selene Finance LP, until XX/XX/2022 was my mortgage lender and has repeatedly reported wrong information about my loan to the credit bureaus affecting my XXXX score. In XX/XX/2022, I made my mortgage payment to Selene Financial LP as usual and on time, in XX/XX/2022 Selene Finance LP, incorrectly reported me to the credit bureaus as not making my mortgage payment for the month of XX/XX/2022 and being delinquent. After making a complain and sending multiple disputes 45 days later Selene Finance LP admitted their mistake and notified the credit bureaus of the error they made. Today, I am making another complaint because Selene Finance LP bad quality of service has affected my credit report once again. My property/loan in question was sold in XX/XX/2022, since XXXX of XXXX the balance of the loan is zero. During the month of XX/XX/2022 Selene Finance LP reported to the credit bureaus that the loan was sold and the balance was zero. On XXXX XX/XX/2022, Selene Finance LP incorrectly reported to the credit bureau that the balance of my loan was now XXXX $ even though I don't have that loan anymore and was reported a month before as the balance being zero since the property was sold in XX/XX/2022. Because of the high balance being incorrectly reported to the credit bureaus as if I still had a Loan with Selene Finance LP my credit score went down by XXXX points. I am in the middle of purchasing a property and due to the huge mistake done by Selene Finance LP, I cant proceed with my purchase until the credit is fixed. How many more times is Selene Finance LP going to affect customers???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-21 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: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Account information comments/remarks are reporting incorrectly/erroneously from Midland Credit Management. This collection agency continuously reports the account as " Account information disputed by consumer '' in the comment/remarks. 

I am no longer disputing the account information and have expressed this to the collection agency 's attorney ( XXXX XXXX XXXX ) on several occasions XX/XX/XXXX, then again XXXX XXXX and XXXX XXXX to discuss payment arrangements with each call. 

I have contacted all three credit bureaus to have these dispute comments removed several times and each time the credit bureaus complied to my requests to remove the comments, but Midland Credit Management and/or their collection attorney ( XXXX XXXX XXXX XXXX adds the dispute comment back onto my credit files each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: HW Holding, Inc
State: IN

Complaint narrative:
i told them to stop calling me and they are still calling. they do call late nights and early mornings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: GA

Complaint narrative:
I am making you aware that XX/XX/2022 I sent to XXXX XXXX, XXXX XXXX, XXXX XXXX a notice informing them of their violation that allowed me to make an uninformed decision when I entered an agreement with their company. The information given to me was not clear nor conspicuous for me as a consumer to understand. There was no evidence of indebtedness only evidence of debt was agreement because of uniformed decision the debt becomes null and void. The companies failed to provide me with an adequate notice giving me pertinent facts that were to be clear and conspicuous. I am making you aware of the fraud and deception these financial institutions have been doing. According to 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined for {$5000.00} or be imprisoned not more than one year or both. You have been warned of the notice.

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 2022-09-21 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:
Hello yes I talk to someone in the fraud department from Experian on the date of XX/XX/XXXX. The only reason for me contacting Experian is that I noticed some old addresses, employers and also collections with hard inquiries that are unauthorized without my consent. So I asked them on XX/XX/XXXX to simply remove the old addresses and dispute a few of the other items since the addresses were incorrect. They explained that they would contact me in 30 days and to also let the changes take up to XX/XX/XXXX hours to show results. I have been checking my file and I dont see any changes at all.It would be extremely helpful to be able to see my entire credit file but they dont allow that .While on the phone with the agent yesterday I explained the trouble it is of not being able to review the entire credit report .If I cant see the report how will I be able to handle this issue accurately and appropriately to prevent me and them from making future mistakes they want us to upgrade our subscription for XXXX a month to be protected against fraud and review the entire credit file accurately.This is absolutely unacceptable and they are in violation of code 1681c-2 block of information resulting from identity theft. And also 1681n.Civil liability for willful NonCompliance, Congressional findings and statements of purposely incorrect information from the reseller and Credit Company.They either need to delete these accounts and collections

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 2022-09-21 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: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
Insurance supposed pay off my car loan n had gap insurance but they say they took it from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency
State: NV

Complaint narrative:
On XX/XX/XXXX I checked my XXXX XXXX account and noticed a hard hit on my credit. Upon immediate review I learned that a debt collection agency ( Grant Mercantile of XXXX California ) had received/opened an account on behalf of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX California ) . It was noted that the account in collections was opened XX/XX/XXXX. 

***I was not aware of the debt, received NO verbal communication, NO written notification from either XXXX XXXX or Grant Mercantile. *** Friday XX/XX/XXXX I called Grant Mercantile to get information as to why this debt ( from XXXX XXXX XXXX ) was sent to collections. The agent I spoke to ( XXXX I believe ) had no information. She said she would research it and they would contact me by phone. 

I called again the following Monday ( XX/XX/XXXX and also XX/XX/XXXX ) with the same outcome. I proceeded to try to call XXXX XXXX XXXX again, for a total of three attempts to speak to someone in billing. 

I find this incredibly irresponsible and unprofessional on both agencies, the lack of communication, record keeping and reasoning to hold my account in collections is disturbing not to mention critically impacting my credit score. A professional debt collector should collect basic information at minimal, there should be no reason to open an account with no reasoning. 

I was not aware that insurance had finally paid their portion of this bill until I had to research this mess on my own. The remaining balance left ( from an initial amount of around {$1700.00} ) is under {$400.00}. 

Grant Mercantile states on their website that they are a XXXX XXXX XXXX XXXX and was founded in XXXX. They also state : XXXX takes great pride in providing superior service and exceptional recoveries XXXX collectors are trained to assist debtors as counselors and advisors. Our goal is to help our debtors repay their debts as quickly as possible. 

With the experience I have had with them I can attest to the unprofessional nature, they have certainly not held to any of their own set standards. My credit score prior to their hasty account opening was XXXX, which certainly does not reflect irresponsibility on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX of 2021 I became unemployed. Ive had my checking and savings account with Wells Fargo for over 5 years and I had many outside transactions going into my bank. For examples bill payments, subscriptions etc. I called Wells Fargo several times to put stop payments on items so that I could avoid any overdraft fees. A representative told me that a stop payment was applied but it might not stop reoccurring payments from being posted. So my stop payment never worked for me and in turn my account became overdrawn to the point I couldnt make any payments to cover the fees. As the overdraft fees kept piling on Wells Fargo eventually closed my account and now they are constantly harassing me everyday with phone calls to see if I can make a payment. Im still unemployed looking for employment so I am unable to make those payments. Ive talked to several representatives and I mentioned that I should have been notified to close my account to avoid the fees but that option was never offered to me. And now my past account is at an amount that I can not afford and I feel like I wasnt given any options to rectify my situation especially since I called numerous times to avoid the fees from accruing.

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 2022-09-21 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: OH

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. 
XXXX XXXX XXXX XXXX Account # # # # # # XXXX 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
I received several emails from ChimeXXXX over night stating that my money was being moved. When I checked my account, usually I can login with FaceID but this time I had to enter my credentials, all my money was gone. Someone accessed my account between XXXX, moved my money from savings to my checkings, used a Pay Friends to send money, cancelled that payment and sent the money to another account. I contacted ChimeXXXX and they assured me I would get my money back. After a three hour investigation, it was determined that no error occurred and I would not receive any money back. I contact them again, was told to send proof. What kind of prof would I have to show someone hacked my account? I forwarded the automatic email that I had receive when someone logged into my account from a new device and was told that it would be escalated ( rebuttal ). I called back again to check status and found out out that the information I sent had not been escalated. Now Im being told to wait up to 45 days while they investigate again. No provisional credit or nothing just a. {$62.00} balance and a 45 day waiting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
It was reported to the credit bureaus that I was late on my auto loan for various months, however it was agreed upon with the company that these " late payments '' were protected under the Cares Act due to COVID-19 and therefore would not report. I paid my loan as agreement and they still reported the late payments. I sent a goodwill letter explaining this to them, however they wrote back stating they do not accept " goodwill '' letters but promised not to report the hardship I was undergoing by loosing my job!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: OH

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. 
XXXX XXXX XXXX XXXX Account # # # # # # XXXX 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 an 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 explanation
Consumer complaint received 2022-09-21 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: OH

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. 
XXXX XXXX XXXX XXXX Account # # # # # # XXXX 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 an 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 explanation
Consumer complaint received 2022-09-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-21 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX/XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX/XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX/XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX  XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights.

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 2022-09-21 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: GA

Complaint narrative:
I am making you aware that XX/XX/2022 I sent to XXXX XXXX, XXXX XXXX, XXXX XXXX a notice informing them of their violation that allowed me to make an uninformed decision when I entered an agreement with their company. The information given to me was not clear nor conspicuous for me as a consumer to understand. There was no evidence of indebtedness only evidence of debt was agreement because of uniformed decision the debt becomes null and void. The companies failed to provide me with an adequate notice giving me pertinent facts that were to be clear and conspicuous. I am making you aware of the fraud and deception these financial institutions have been doing. According to 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined for {$5000.00} or be imprisoned not more than one year or both. You have been warned of the notice.

Company response to consumer: Closed with explanation