vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 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: TN

Complaint narrative:
There are Misleading and Inaccurate information that are reporting 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 non-monetary relief
Consumer complaint received 2022-09-16 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: Webcollex, LLC
State: FL

Complaint narrative:
CKS financial Investment account was paid and they are refusing to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX I have signed up online account with equifax and tried to place a credit freeze, I was not able to do do- the website asked me to call customer service which I did and immediately the service agent tried to sell me XXXX credit monitor service which is bunch of XXXX- I know my right- I asked him to place freeze on my account and he put me on hold- again and again ; after 20 minutes he said he can't do it so transfer me to 2nd agent and again after another 20 minutes- nothing was done and we got disconnected. this is a joke- the other 2 credit agency have no issue of me doing online credit freeze. 

equifax- this is terrible for what happened to me- tried to sell me monitor service instead of take care of me as a consumer over the phone- I need an answer on what's your business model and where is my right on able to place credit freeze free of charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I sent in a complaint yesterday to XXXX XXXX XXXX to 1- Cease & Desist communication through ANY medium which any medium is including my consumer report. The company replied but did not rectify the specified remedy that I am asking for. I want XXXX XXXX XXXX to remove this alleged debt from off of my consumer report and compensate me for ruining my reputation which is a direct violation of 15 USC 1692d ( 1 ) and they are civilly held liable to do so. I have asked in a precise manner failure to do so will result in me proceeding with legal matters and compensatory damages this is my second attempt to rectify this situation. The more time I have to spend on this the more hurt it is causing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/XXXX, I called my loan servicer Edfinancial Services, to request a refund of specific loan payments made during the payment pause/COVID forbearance period since XX/XX/XXXX. I paid my graduate school loans in full earlier this year before Biden announced the Loan Forgiveness Plan, which I would be eligible for up to {$20000.00} in debt relief based on receiving a Pell Grant for college and my income is below the threshold. I requested the refund of specific payments so that {$20000.00} of debt could be reinstated to my Edfinancial account and then I can apply for Forgiveness in early XXXX. 

During my call on XX/XX/XXXX, I was told by the representative that my account balance will be updated to reflect the total of the specific loan payments ( {$20000.00} ) in a few business days and the refund to my account will take up to 150 business days. As of XX/XX/XXXX, my account balance has not been updated like I was told. 

On XX/XX/XXXX, I called my loan service Edfinancial Services again to get more information about updating my account balance to {$20000.00} and to check on my refund status. I was then told conflicting information by a second representative that the refund has to be processed first before the account balance is updated. They could not give me any accurate information on the timeline of when the refund would be processed. 

The first representative from XX/XX/XXXX confirmed that my account balance would update to {$20000.00} in a few business days, which is what I will need to be reflected to be eligible to apply for forgiveness. Again, my current account balance is not updated like I was told. 

All in all, Edfinancial has been sharing conflicting information. They are also not helpful with sharing an accurate timeline of how the process works. All I am requesting is that my account balance on Edfinancial reflects {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report showing XXXX and XX/XX/2021 i was 30 days late with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX .I was victim of XXXX XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to XXXX credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 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:
My credit report showing XXXX and XX/XX/2021 i was 30 days late with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX was victim of XXXX  XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to XXXX credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report showing XXXX and XX/XX/2021 i was 30 days late with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX was victim of XXXX  XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to XXXX credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Americas Car-Mart, Inc.
State: TN

Complaint narrative:
1.I have never had an account with this company COLONIAL AUTO FINANCE XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COLONIAL AUTO the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: MO

Complaint narrative:
XXXX and TransUnion and XXXX have incorrect information on my credit report and refuse to correct it. I've also been victim of my information being breached by credit reporting companies but they refuse to pay me for my time to fix my credit. I've been victim of identity theft because of this

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 2022-09-16 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights 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.

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 2022-09-16 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I will start off by saying I have perfect credit. I am trying to open a XXXX XXXX with a local credit union. The bank ran my credit and it is frozen through Experian. When I went onto the Experian website I was unable to login. I was able to reset my password but their was a security feature that wanted to send a message to one of my OLD phone numbers. Because of this I could not log in. When I call them it is absolutely impossible to reach anyone. They send me back to their website. Their website sends me to their phone number. Its circular and there are no humans available. So now, I cant invest my money. Experian needs to be shut down.

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 2022-09-16 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: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 I have no knowledge of this account. I asked that it may be removed. 

Avio Credit Inquiry date : XX/XX/2022 I have no knowledge of this inquiry. I disputed it and asked that it be removed, XXXX XXXX Inquiry date : XX/XX/2022 I have no knowledge of this and asked that it may be removed. 

XXXX XXXX Bank. 
XXXX date : XX/XX/2022 I disputed it and have no knowledge, I ask that it be remove from my credit report. 

XXXX XXXX File : XXXX XXXX XXXX Inquiry Date : XXXX XX/XX/2022 I have no knowledge of this inquiry and asked that it may be removed from my credit report. 

XXXX XXXX Account : XXXX Reporting 17 Late payments Actions taking : writing goodwill letters that I was strongly impacted by the coronavirus. I lost my job. And was also XXXX. I offered medical records. 
L

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: FL

Complaint narrative:
This lender repeatedly attempts to, and successfully does, collect " late fees '' when I do not in fact owe late fees, and refuses to correctly set up and use the auto-pay feature to deliberately charge me late fees to my fund. I say " deliberately '' because every attempt I make to remedy this in advance, and anticipate this issue, this company disregards it and fails to draft their money from my account according to our agreement. I have proof of autopay setup successfully, that the funds are in my account, and that they still intend on charging a late fee for this installment payment. 

This has caused very serious harm to my credit report, and, to their obvious benefit, causes me to lose money to them in the form of late fees and now I am stuck with this loan because no one will refinance a loan on a " delinquent '' payer. 

To begin with the more recent example, today I can see on my account that my payment method is already set on my online account ; I can see that my bank account information ( with routing and account number ) is correct on the " one-time payment '' feature, and also the " autopay '' feature. I can also see the history of my payments from XX/XX/2021 - XXXX. Nevertheless, it states that I owe them late fees and my payment has increased to cover the late charges. There is no explanation given. 

If one calls, one will be routed to someone that can make payments, but that person can not discuss issues with billing, that will be another person, but the person that discusses issues with billing can only discuss issues with billing methods and autopay problems, so they route you to another person, who can only discuss issues with the previous billing, and so on. You will finally be told that you must write a letter to Global Lending Services. 

I have written four letters now to Global Lending Services, and none have been successful in prying information to them that *they* are the ones with the ability and agreed-upon responsibility for drafting my account correctly. 

Now I have several " late '' or " missed '' payments on my credit report which are incorrect, and they refuse to remedy or correct this by mail, by phone, or of course in person as they do not have a physical location. 

Also, they do not actually let you pay online, and if you call the center they wish to add a convenience fee, otherwise, they refuse to draft your money. I set up auto-pay years ago when I first got the loan to avoid convenience fees, late fees, and delinquencies on my credit report -- all of which this lender does do anyway ; which is to their benefit : this practice of theirs increases their revenue from me, and prevents me from refinancing elsewhere, as it has today. 

One does not have the time and money to constantly deal with them and their call center.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have a 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. 

This account was recently disputed and previously deleted under the terms of investigation by Transuion but now being reported again. Under law I'm demanding this account to be removed from my credit report. Under the Fair Credit Reporting Act, it is unlawful for a collection agency to report a debt that they know 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