vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
i been a vicitim of identity theft and someone is using my personal information to obtain credit. I did not authroize the inquiries on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request the investigation and removal of a repossession that appears on my credit report. The account was opened in XXXX  by XXXX XXXX. I co-signed the vehicle for a relative and I was unaware that the relative I co-signed the vehicle for fell into financial hardship. I was not informed by neither the lessee or lender until the negative inquiry was placed on to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request the investigation and removal of a repossession that appears on my credit report. The account was opened in XXXX  by XXXX XXXX. I co-signed the vehicle for a relative and I was unaware that the relative I co-signed the vehicle for fell into financial hardship. I was not informed by neither the lessee or lender until the negative inquiry was placed on to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: MD

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on ( XX/XX/XXXX ) and I noticed that this unauthorized inquiry had been made : TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX TransUnion XXXX XXXX XXXXg XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX Bank XXXX Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 
I contacted ( CREDITOR/FURNISHERS NAME ), who placed the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 
Thank you for your help and assistance. 
Sincerely, 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 2022-11-14 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 Control, LLC
State: TX

Complaint narrative:
In XXXX I purchased a show car that only had XXXX miles on it from XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX. The car started breaking down and when it did, I had only had it for a year. The XXXX broke after I received my free oil change from them, it was working fine when I pulled in the XXXX parking lot. I got it back it didn't work. I previously had a XXXX XXXX  in addition to the XXXX XXXX, and its XXXX was still working. I called and filed a complaint ; they couldn't help me unless I paid {$450.00} to them. I told them the car had a recall on the airbags and that's dangerous for me XXXX XXXX. They said I would still have to pay {$450.00} to have it checked out. So, I called the corporate office to see if they could help me get it fixed or place me in another car. They said to call the dealership back and tell them to help me. They still said I had to pay to get it checked out. And refused to put me in another car or fix the problem till I gave them money. Also, the baring 's on the wheels were worn out and I only had it for a year. They told me nothing was wrong with the car because it was a show car, and no one drove it, but it had XXXX miles when I bought it. They didn't help me, so I gave the car back, they reported the same car twice as repo on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Credit File Reporting : Violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 1. Several mistakes on my credit report appear minor, but I was told they are affecting my credit score and costing me money. 
Equifax 2.XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language, Charge_off to describe a paid in full as agreed, is damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed. 


XXXX  XXXX7 ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid-in-full as a charge_off damages a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed. 


XXXX XXXX8 ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid-in-full as a charge_off damages a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-14 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
My rights have been violated, pursuant to 15 USC 1692 G. I traded in this vehicle on XX/XX/2022 and have documentation stating it was paid in full by the dealership. I have disputed this twice via email with the lender with the last date being XX/XX/2022. The lender ( Exeter XXXX ) claims they have no dispute on file and have reported late payments and a debt still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
It is a credit card through my bank. THey lost several deposits which took over a month to research and post. in the mean time they are increasing late and over the limit fees as a result. 
MY complaint is that I have spoken to them and they call me daily sometimes twice. 

THis seems like abuse.

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 2022-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
Hello. I have a debt I am currently paying on with One Main Financial in XXXX, Louisiana XXXX. I owe the debt and right now my account is behind. My problem is One Main calls me daily at least 8 times. That is overkill. It's not from the XXXX branch only, but multiple other companies associated with them throughout the day. My cell phone constantly rings at my job which I have been in my supervisor 's office about because of the multiple phone calls a day. They start at XXXX and ends sometimes after XXXX CST. I know I have a debt but at some times this is harassment to me. It is NOT necessary to contact me more than once a day. Last week ( XXXX XXXX XXXX ) I was contacted by them 15 times. My supervisor witnessed this and encouraged me to contact the proper authorities to report because she worked in financial institutes prior to working at my job. She even stated the phone calls were overkill and against the law for One Main to harass me. I would like for the multiple phone calls a day to STOP. I am considering hiring a lawyer if I can not get this matter resolved soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Sun Loan # XXXX -I have disputed this account multiple times and it continues to be removed then XXXX months later re-appear on my report then changes an amount or date. Nothing has been consistent and they continue to report and change dates that are not wrong. When I first sent a letter to dispute, I disclosed that I didn't even open an account in XXXX. Sun Loan # XXXX continues to find some small loop hole to be able to report and its deceitful and prolonging my ability to purchase a home. I know this should be removed because it has been previously, then when I check my credit XXXX  months later it re-appears without in notice to me and has a different number and amounts. I want this account removed immediately from my credit report. Especially since this account has not showed back up on XXXX from dispute.Dates of letters regarding this account : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
Trying to pay the bank with and was refused payment because of charge off. Could not explain why it was a charger try to re-establish relationships with the company. To find out further that my account was still in charge off static. And to find out they view me as a deceased individual.

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 2022-11-14 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:
XXXX XXXX XXXX is listing a debt I previously disputed XX/XX/2022 CFPB complaint # XXXX for no correspondence. The claim was denied. Today I called to ask if I paid the account I dont think I am responsible for if itll be deleted from my credit report the agent said no. I then asked if XXXX XXXX XXXXXXXX would sue me in court for the {$810.00} they claim I owe. The agent said she doesnt know what XXXX will do. I asked if XXXXXXXX XXXX XXXXXXXX owned the account. The agent said no, XXXX owns the account, and we are a 3rd party collecting on their behalf. My credit report show XXXX as the original creditor, implying XXXXXXXX XXXX  XXXX is now the creditor. The agent began to say hello as if she couldnt hear me and ended the call.

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 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Another customers check was mistakenly taking from my account in the amount of {$330.00}. and the bank wants me to wait 5 -10 business days for them to put the money back into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I requested a federal student loan refund from Aidvantage, my federal student loan service account, on XX/XX/2022. I was told over the phone when I requested the refund the entire process would take 4 to 6 weeks, with 6 weeks being the maximum amount of time it would take to see the refunded money deposited into my bank 's checking account. I requested the refund to get money back from payments I made during the COVID-19 pandemic, during President Biden 's pause on student loan payments. It is know XX/XX/XXXX, more than 2 months ( XXXX weeks ) from the date I requested the refund. I have called Aidvantage customer service multiple times, and I keep getting different information. They tell me the wait time is now 10-12 weeks. Another representative told me it's out of their hands and there's nothing they can do for me. A third representative told me my request has been processed, but it's up to the treasury department now. I told them I was initially told 4-6 weeks of processing time when I first made the request, but they said that's changed now and could not help me. The refund I requested is just over {$5000.00}. This money should be back in my bank account by now and it's extremely frustrating this process is still ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received emails stating a Bank of America checking account had been created with my information. I also received a response from BOA that the account was closed, however, I keep receiving statements from them for an active account. I did not open this account and have never been a BOA customer.

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 2022-11-14 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: OK

Complaint narrative:
I am natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights numerous times. I DEMAND the accounts listed below to be removed because According to 15 USC 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Advantage Credit, Inc.
State: NY

Complaint narrative:
i been a vicitim of identity theft and someone is using my personal information to obtain credit. I did not authroize the inquiries on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: CORELOGIC INC
State: NY

Complaint narrative:
i been a vicitim of identity theft and someone is using my personal information to obtain credit. I did not authroize the inquiries on my credit report..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am a new HomeOwner, my loan was transferred to US Bank after initial loan origination by XXXX XXXX My payment for the first year was {$1700.00}. I'm assuming that all estimates were based on appraisal value of the home + average taxes for homes in the area. 

I have received a bill for an escrow shortage of {$8100.00} from US BANK to be paid over the next 12 months. Paired with the new amount I have to pay to cover the new charges in 2023, our mortgage is scheduled to go up to $ XXXX. This is UNAFFORDABLE! If I would've know this ( my fault for not doing enough research ) I would've paid a little bit extra every month to ensure the Escrow wasn't short, especially by this substantial amount of money. 

Even if I pay the full shortage, the mortgage is going to go up to $ XXXX. 

I have to ask, where did US Bank fail in recognizing this shortage? I don't have the money to pay an additional {$1300.00} a month in mortgage, we barely make it as it is. We are desperate here for help, and we don't know what to do, as my wife stays home to take care of our children, one who has 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