vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT claims they have the right to communicate with me via my consumer report however Congress clearly states in 15 usc 1692c that the debt collector may not communicate with a consumer at any time or place to be inconvenient to the consumer. They claim they sent me a letter informing me of my ability to opt out of any sharing of my non public personal information but I never received such letter and this would have to be proven via a signed certitudes mail receipt showing I received such communication that is required by thE GLBA. In addition the debt collector must cease and desist ALL communication across ALL mediums. My consumer report is considered a medium of communication. MIDLAND CREDIT MANAGEMENT also claims communication does not include consumer reports which is false. IT DOES INCLUDE NOT COMMUNICATING THROUGH MY CONSUMER REPORT. I demand MIDLAND CREDIT MANAGEMENT cease and desist this deformation of my character on my consumer report or I will seek legal remedy that I am owed in the form of {$1000.00} per FCRA violation. This is my last time communicating this to midland before I file a civil lawsuit against you for damages caused by these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company
State: OR

Complaint narrative:
On Friday XXXX, I asked my loan officer XXXX XXXX XXXX from DHI Mortgage to give me an updated quote for interest as the rates had gone down from that morning at which she refused to do so. Interest rates have now risen and I was blocked from being able to lock in at the lower rate. This was the second time that she refused to allow me to lock in a rate. The first time was when I asked for the rate to be locked on XXXX which she declined to do. Because of this, she is going to cost me XXXX  more in closing costs as well as monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, Indigo Mastercard emailed to me a settlement offer of {$170.00} for the entire balance of {$710.00} to save {$530.00}. initial settlement request had a payment due by XX/XX/XXXX but I called and was advised it can be extended to post the payment by XX/XX/XXXX. I made the payment of XX/XX/XXXX and payment posted on XX/XX/XXXX. However, the remaining balance of {$530.00} +interest to equal {$590.00} was reported to the credit bureau as still due and also reported late again. This was not the agreed upon resolution. on the settlement offer received, it states " Once your settlement payment is received as agreed, the waived portion f the balance will be charged off and your account will be reported as settled in full for less than the full balance to the credit bureaus. '' Upon calling the customer service this morning, they are now stating it that the terms state 21 days after payment. This is false information being provided to me as the consumer and I was not advised this on the call to the rep to accept the settlement offer. It doesn't make sense to still add on fees/interest if the settlement was paid and posted on time and yet the balance was increased while also reported as still negative and decreased my credit score even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
For XXXX XXXX  now, have been trying to get annual credit report from Experian. Error message says : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX  Request form .... '' There is no further information. What's going on?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: SC

Complaint narrative:
Dear, CEO/ Superior Party of XXXX XXXX As a federally protected consumer, XXXX XXXX XXXX was denied an extension of credit by XXXX XXXX XXXX I submitted an application to extend credit on XX/XX/2023 I was denied. I received a email stating that XXXX XXXX used a host of Determination factors with a lot of third-party companies : Clarity, factor Trust etc. , just to name a few. They used outside parties violating my consumer report to come up with a decision on this matter. As you may be aware, an adverse action against a consumer is against Federal Law. Pursuant to 15 USC 1691 ( a ) ( 3 ), I have been violated, I have also been discriminated against. I have the right to credit under the Truth In Lending Act, 15 USC 1602 ( f ). I understand what a credit card is and that used my credit to card to credit this transaction., pursuant to 15 USC 1602 ( I ). Furthermore, you proclaiming an adverse action against me is unauthorized use of my credit card from which, I received no benefit, pursuant to 15 USC 1602 ( p ). According to 12 CFR 34.3 ; A bank may use any reasonable method to determine a borrowers ability to repay, including, for example, the borrowers current and expected income, current and expected cash flows, net worth, other relevant financial resources, current financial obligations, employment status, credit history, or other relevant factors. Also, thats not talk about how you used 12 CFR 1002 Denial of Credit= Discrimination against me about this matter as well. This is an attempt to give XXXX XXXX an opportunity to rectify this situation. My intent of this letter is to benefit from a fair honorable transaction, through ta right granted to me according to law. You should resort to reasonable procedures to rectify my affairs and compensate me for the use of my social security number otherwise it would be considered unauthorized use since Ive received NO BENEFIT. You have 7 calendar days from the receipt of this letter to reverse your illegal adverse action against me and approve the extension of credit. If you do not you will be held civilly liable in accordance with 15 USC 1691e ( a ) and ( b ) for violation the law. I will then follow with an invoice to collect actual damages for each violation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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 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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: VA

Complaint narrative:
I have been using a {$40000.00} HELOC account at Flagstar Bank since XX/XX/2019, and using close to {$40000.00}. Ive been paying monthly interest until last XXXX and started depositing to reduce the debt principle since XXXX of this year. The incident occurred on the interest and principal deposit on XX/XX/XXXX, when I deposited {$5000.00} to my HELOC account and asked to pay {$290.00} per monthly interest and the remaining {$4700.00} to my principal. However, according to the transaction history, a total of four transactions were generated. 
1 ) Interest : {$290.00} ( Monthly ) 2 ) Fees : {$330.00} 3 ) Interest : {$800.00} ( Unknown ) 4 ) Principal : {$3500.00} Of these, 2 ) and 3 ) are said to have occurred by their system logic without my request.

2 ) is a {$30.00} quote fee and {$300.00} is an unpaid annual account maintenance fees for four years ( XXXX $ /year ). I did not ask to pay for the account maintenance fees, but I was able to accept it, but the fee of {$30.00} is not right. According to their web site instruction, the fee was {$0.00} for Postal Mail, and I received the quote via Postal Mail, so it should not be billed. 
3 ) was a more serious problem, even they could not explain how this interest was imposed, and they asked for modification by creating their own cases several times within them, but they were rejected for internal logic reasons. 
I have called many times since the transaction and asked for corrections on these issues, but I have not made any progress so far in two months, so I want to report it here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XXXX, I applied with my personal bank for auto financing. When approved, I contacted the dealership that I wished to purchase from and affirmed with them that they had received the financing package from my bank, and that I could come down and purchase a car. 

Once I chose the vehicle, an unknown financing agent in the auto dealership, continued without my authorization, to pull various credit reports, with unknown and unapplied to lenders. At the dealership, I informed the finance manager, that the inquiries were unauthorized and should be removed from my credit report immediately. 

Furthermore, I have a FULL FRAUD ALERT/CREDIT FREEZE on my credit files at all XXXX credit reporting agencies, and it requires them to contact me to verify if a credit application has been sent to them. None of the companies that were not authorized to receive my credit, followed the proper procedure, and this is a violation of my rights under the FCRA, when a credit freeze is applied. Furthermore the companies in violation, have made no attempt to correctly follow the verification process for my credit file. 

On XX/XX/2023 at XXXX, XXXX, I contacted the credit reporting agency responsible for allowing my credit report to be given to unauthorized parties, but again, this CRA XXXX XXXX, stonewalled with an automated system for XXXX minutes, then hung up the call when I reached the consumer affairs department to speak with XXXX XXXX and then XXXX XXXX who hung up the call ). This type of behavior, is again a violation of my rights under the FCRA, and if continued, I will engage, once more, in aggressive litigation against all parties who were involved in this egregious violation of my personal credit information, which also caused a loss in credit score, which is a damage/recoverable offense, in litigation, on my behalf. 

If these companies do not comply with immediately removing their inquiries from my credit report, and refrain from any future unauthorized credit access to my information, I stress again, that I will file aggressive and financially punitive litigation against the offending parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Stellantis Financial Services US Corp.
State: NV

Complaint narrative:
On XXXX, I applied with my personal bank for auto financing. When approved, I contacted the dealership that I wished to purchase from and affirmed with them that they had received the financing package from my bank, and that I could come down and purchase a car. 

Once I chose the vehicle, an unknown financing agent in the auto dealership, continued without my authorization, to pull various credit reports, with unknown and unapplied to lenders. At the dealership, I informed the finance manager, that the inquiries were unauthorized and should be removed from my credit report immediately.

Furthermore, I have a FULL FRAUD ALERT/CREDIT FREEZE on my credit files at all XXXX credit reporting agencies, and it requires them to contact me to verify if a credit application has been sent to them. None of the companies that were not authorized to receive my credit, followed the proper procedure, and this is a violation of my rights under the FCRA, when a credit freeze is applied. Furthermore the companies in violation, have made no attempt to correctly follow the verification process for my credit file. 

On XX/XX/2023 at XXXX, XXXX, I contacted the credit reporting agency responsible for allowing my credit report to be given to unauthorized parties, but again, this CRA XXXX XXXX, stonewalled with an automated system for XXXX minutes, then hung up the call when I reached the consumer affairs department to speak with XXXX XXXX and then XXXX XXXX who hung up the call ). This type of behavior, is again a violation of my rights under the FCRA, and if continued, I will engage, once more, in aggressive litigation against all parties who were involved in this egregious violation of my personal credit information, which also caused a loss in credit score, which is a damage/recoverable offense, in litigation, on my behalf.

If these companies do not comply with immediately removing their inquiries from my credit report, and refrain from any future unauthorized credit access to my information, I stress again, that I will file aggressive and financially punitive litigation against the offending parties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a notification from XXXX XXXX  that my personal information was exposed during a data breach taking place earler this year. 
I also received a notification that a creditor on my credit report ( XXXX  XXXX XXXX XXXX had a data breach where my personal information was exposed. 

I have an inquiry on my credit report that I did not authorize or solict their products. 
XXXX. XX/XX/2023. XXXX I contacted XXXX on XXXX different occassions : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023. On all these occassions I was told that the item would be removed and was giving a conformation number. But whenever I called sharing the conformation number I was told it would take up to 30 days to be removed. During the last call I was told " it was not removed because we could not read your driver 's license '' I asked to speak to a supervisor and was put on hold for XXXX minutes and once someone answered the call was disconnected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: CL Holdings LLC
State: KS

Complaint narrative:
Someone used my information to open loans and credit cards and my credit dropped from XXXX to XXXX because someone used my information to apply for credit cards and auto loans which they are on collections now and even used my information for XXXX XXXX and XXXX XXXX XXXX and XXXX which I dont know how they got my information to do all that They have used my information for inquiries which hurts my credit and now I cant even apply for a loan or use my VA for loan XXXXue to this fraudulent activity on my files and I have tried to contact them to erase everything but they didnt. I need to get my credit score up and they need to erase all those collections and debts and inquiries because I had no idea how these got on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
Someone used my information to open loans and credit cards and my credit dropped from XXXX to XXXX because someone used my information to apply for credit cards and auto loans which they are on collections now and even used my information for XXXX XXXX and XXXX XXXX XXXX and XXXX which I dont know how they got my information to do all that They have used my information for inquiries which hurts my credit and now I cant even apply for a loan or use my VA for loan due to this fraudulent activity on my files and I have tried to contact them to erase everything but they didnt. I need to get my credit score up and they need to erase all those collections and debts and inquiries because I had no idea how these got on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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