vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
My property 's mortgage was transferred from XXXX XXXX to Freedom Mortgage in XXXX. The principal account balance transferred to Freedom Mortgage is incorrect. My final XXXX as of XX/XX/2023 was {$700000.00}. The balance that Freedom Mortgage has for my account is {$700000.00}. I believe a combination of issues is occurring that is affecting the incorrect balance that Freedom Mortgage has. The first is that there is an incorrect date transfer of payment funds in Freedom Mortgages account from XXXX. XXXX. Freedom mortgage has the wrong payment dates from XXXX resulting in incorrect interest being applied to the loan balance. The 2nd issue is that it looks like the additional loan payment I made to XXXX was not applied to the loan balance when it was sent over to Freedom Mortgage. I have been unable to resolve this issue via phone with both companies and both have received a letter as well in which I have not received a response. 

I suspect that XXXX is keeping my extra principal payment and not transferring it over to Freedom Mortgage. XXXX  documentation proves that they received the transferred and applied it to my mortgage balance, but then transferred a higher balance over to Freedom.

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 2023-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
I have paid extra on my auto loan to go toward the principal. There is not an option to do principal only payments online so you have to call in after the payment posts to the account. I have made over 7 calls and my payments are still not being applied correctly to the principal. I also requested that the interest for that time period be credited back as I should only pay interest on the correct principal amount. I believe they make it difficult so you don't pay extra to pay the loan off quicker.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is regarding Experian Report Number XXXX ( CFPB ID XXXX and XXXX ). I've been trying to find out why Experian keeps lowering my FICO score. The results of their investigation aren't available online, and when I called the number listed online, they didn't give me a satisfactory answer. 

I always make payments on time, I've had the same two credit cards for years, banked at Bank XXXX XXXX for thirty-six years, and had no hard inquiries. In spite of the aforementioned, Experian has lowered my FICO score from XXXX to XXXX in the last two months. 

I think Experian is lowering my score in retaliation for filing complaints against their company.

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 2023-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
It has come to my attention that you have placed a derogatory remark on my credit bureau files pursuant to my having paid you what you claimed I owed you. 

When I paid you, I relied upon the belief that you would do the honorable thing and remove your nasty and derogatory comments from my credit bureau files, which you not only failed to do but changed my listing to paid collection, which is a far worse rating in the eyes of any potential future creditors. 

In doing so, you failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for my pending lawsuit against you for punitive damages in whatever amount a jury might deem appropriate for your violation of the estoppel doctrine of law. 

Here is what the Doctrine of Estoppel is and how it applies to your violations of it. For the doctrine of estoppel to apply, the party of the first part ( you, the collector ) must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice. 

In your communications with me, you told me that you would update my credit reports as soon as I had paid the debt to you. Naturally, I assumed and relied upon your statement to mean that you would mark the account as " paid as agreed '' or possibly remove it entirely. 

I agreed to pay the debt and did ; after that, you worsened my credit scores.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX violated my rights under the Fair Credit Act by reporting negative transactions in my consumer report.At no time has he shown me any type of document that supports those negative transactions that are seriously affecting me. This is not the first time I have to tried to resolve the matter. ( XXXX XXXX XXXX XXXX XXXX ) File Identification Number : XXXX XX/XX/23

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LendingUSA
State: NC

Complaint narrative:
Lending USA has made errors in regards to my billing at which i have never been late. have reported past due payments which they fixed but now has come back again as well as sending me notices recently saying my account is past due AND IT HAS NEVER BEEN LATE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The apartment community for my daughter reported a debt not owed to collections. I was advised they they had already asked that it be deleted from both our credit reports. I called collections and was told that they already sent the request to delete it fromour reports. The credit reporting agencies are still showing it on our reports. This is the account in question : XXXX XXXX Reported : XXXX XXXX, XXXX  {$340.00} Ialso noticed the following unauthorized inquires are showing as hard inquires on my personal report : I also noticed the following unauthorized inquires : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2023

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My XXXX XXXX credit card and credit card account : XXXX issued by XXXX Bank thats currently listed on my XXXX and Equifax credit report is lost/stolen. My XXXX XXXX credit card and credit card account is lost/stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Company : Westlake Financial Services XXXX XXXX : XXXX XXXX XXXX XXXX Account : XXXX Vehicle : XXXX XXXX XXXX I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' WESTLAKE FINANCIAL SERVICES is a financial institution by definition under this title. 15 USC 1681 section 604 a section 2 states that under the following circumstances and no other private information can be shared : in accordance with the written instructions of the consumer to which it relates. Westlake Financial Services the financial institution do not have my consent to furnish this information and they surely do not have my written consent. Any consent to Westlake Financial Services whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Westlake Financial Services never informed me of my rights to excesses my nondisclosure option. 

Westlake Financial Services had shared my nonpublic personal information with XXXX XXXX XXXX  XXXX without my consent, violating 15 USC 6801, 15 USC 1681, and 15 USC 6802. In Addition Westlake Financial Services XXXX XXXX XXXX XXXX  XXXX to take possession on my property ( XXXX XXXX XXXX ) without my consent, violating 15 USC 1692 ( f ) which states A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property. On XX/XX/XXXX and again on XX/XX/XXXX XXXX XXXX XXXX  XXXX had taken non-judicial action against me in a form of dispossession of my XXXX XXXX XXXX property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: MD

Complaint narrative:
My credit score was impacted severely from a reporting to all XXXX credit bureaus that I strongly disagree with. My score dropped by more than XXXX points which was devastating for me. I spoke to a representative with AES named XXXX XXXX on XX/XX/XXXX who advised that she did not see where my account was or should have been reported on XX/XX/XXXX. My credit report says that no payment was made for XX/XX/XXXX but that payment was made but late on XX/XX/XXXX in the amount of {$180.00} which was only 15 days late, not 30 days late. Another payment made on XX/XX/XXXX in the amount of {$190.00}. The account is currently up to date with no current payments due until XX/XX/XXXX. I requested that this derogatory information be removed from all XXXX credit bureaus so that my credit score can be restored. I just started a business and I am afraid that this reporting of 30 days late will affect my ability to obtain loans, credit cards for my business. I am the cosigner on this student loan for my daughter. She has had trouble paying this loan over the years and has always applied for forbearances and/or deferments but there are no other options available at this time to assist her with making her payments. Despite all of that, we have never been reported to the credit bureau ever before. I'd just like to be shown alittle grace and have this derogatory mark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date XXXX Inquiry XX/XX/2023,

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date XXXX Inquiry XX/XX/2023,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have been having ongoing problems with my credit cards at Wells Fargo. Cards not being sent to right address, fraudulent charges, etc. 

This past XXXX and XXXX, my card was charged for XXXX at XXXX, and then XXXX for XXXX, XXXX, and XXXX. I have had no luck contacting any of the businesses due to " privacy concerns ''. I have filed a police report and have asked Wells Fargo to reopen the case.

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 2023-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA is the account account openXXXX I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I would like for these Inquiries to be deleted from my credit report with XXXX, XXXX and Transunion. I did not authorize these companies to run my credit. This is fraudulent.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I would like for these Inquiries to be deleted from my credit report with XXXX, Equifax and XXXX. I did not authorize these companies to run my credit. This is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : XXXXXXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX XXXX  : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXXXXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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