vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX account XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions in accordance with the fair credit reporting act convergent account XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXXXXXX is reporting late payments and I did not complete these payments late as I reported that card as lost and stolen it was fraud. late payment dates XXXX, XX/XX/22, XX/XX/22, XX/XX/22

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 I made two payments to a vendor using my Capitol One card. Capital One indicates both payments went thru to the vendor, the vendor indicates only one was received. I requested Capitol One to investigate why the 2nd payment did not go thru to the vendor, Capitol One credited my account, I submitted all the paperwork required to Capitol One. Capitol One ( in unusually fast response ) decided the paperwork submitted was not sufficient ; the vendor still insists they never received payment from Capitol One. The vendor has stated they have nothing else they can do and no longer respond to my requests for more information from their end that I can provide to Capitol One as proof they did not receive payment from Capitol One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : Santander Consumer USA responded to complaint XXXX by sending me a settlement letter with a return day of acceptance by XXXX XXXX and the amount of {$6500.00}. Santander Consumer USA Executive office stated once received they would send me the title to the vehicle, XXXX XXXX XXXX under the account XXXX. 
XX/XX/XXXX : I returned the signed settlement letter with a cashier 's check by certified mail with signature verification of deliver. 
XX/XX/XXXX : I received an email from Santander Consumer USA representative XXXX XXXX XXXX XXXX XXXX stating that he was " looking into my concerns. That I would receive something by XX/XX/XXXX. 
XX/XX/XXXX : I did not receive anything from their assigned representative in the Executive Service office. 
XX/XX/XXXX : I sent a letter to the representative with copies of the Settlement Offer, paid cashier check, copy of signature of delivered on time - prior to XX/XX/XXXX, the cashier 's check was deposited on XX/XX/XXXX. I also stated in my letter that I have a copy of my original contract and that I never signed up for any GAP, warranty program or XXXX XXXX. So there is nothing else due on this account. 
XX/XX/XXXX : As of today 's mail delivery I still have not received the vehicle title as promised as long as I met the requirements of the settlement offer. 

I would like all correspondence to be sent via US Mail because Secured email Message have a time limit ; no trace of the letter is available after the expiration date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX has not been validated and is currently disputed. 

Have applied for mortgage and is preventing me from being approved. 

This inaccuracy has been disputed for the past 24 months and the creditor has changed dates and name of creditor repeatedly in order to keep erroneous information on all 3 credit bureau reports.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX has not been validated and is currently disputed. 

Have applied for mortgage and is preventing me from being approved. 

This inaccuracy has been disputed for the past 24 months and the creditor has changed dates and name of creditor repeatedly in order to keep erroneous information on all 3 credit bureau reports.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Personal information is clearly not recognized in most systems because i can barely open a regular checking account to deposit my work checks. I don't know why this is happening but it is becoming a big problem for me due to the fact that i am trying t make a living and the constant failures for systems to pick up my info is making things difficult for me.

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 2022-08-08 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: CA

Complaint narrative:
I CALLED TRANSUNION AND SPOKE WITH XXXX XXXX, SUPERVISOR, ABOUT REMOVING INFORMATION FROM MY CONSUMER REPORT. XXXX STATES ANY ACCOUNT STAYS ON MY CONSUMER REPORT FOR AT LEAST 7 YEARS AND IF I WANT IT REMOVED, I NEED TO CONTACT THE ALLEGED CREDITOR OR DISPUTE IT. I ASKED XXXX IF TRANSUNION HAS MY WRITTEN PERMISSION TO FURNISH ANYTHING ON MY BEHALF, HE SAID NO. THAT IS A VIOLATION OF TITLE 15 USC 1681B ( A ) 2. IT IS ALSO A VIOLATION OF 15 USC 1681 ( A ) 4.

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 2022-08-08 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I recognize this item on my credit report remove this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: IA

Complaint narrative:
THESE INQUIRIES should not be on my report IT HAS CUSED ME TREMENDOUS MALIC WITH TRANSUNION, CAN YOU PLEASE REMOVE ASAP, MY FAMILY IS SUFFERING FROM THESE CONDITIONS

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 2022-08-08 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I have asked Midland Funding numerous amount of times, both in writing, disputes through credit reporting agencies and verbally on the phone to provide proof of debt. They have not sent the requested documents. I have disputed the item multiple times and they continue to send back that it is verified when it is not. They have also sent comment that debt is currently in the care of a lawyer which is untrue. The debt is past the statue of limitations in the state of South Carolina. Credit debt has a span of 2 years, after which the collection agency can no longer sue and can not threaten lawsuit. This company has also broken FCRA regulations when it comes to debt collection and has been sued and found guilty of such. This company has attempted to try and collect this debt from me by threatening to have me served, at the time of the threat they did not inform me that this was a time barred debt they were attempting to collect on. When I asked for verification of debt they claimed they had mailed that to me 30 days prior. I have informed delivery on my mail and would have seen this attempt. I informed the rep on the phone that I did not receive it and will need it mailed it again. She stated that it may have been lost in the mail and that they would not send it again and will have me served. The rep then hung up on me and blocked my number. This company has numerous reviews listing their predatory ways of attempting to collect a debt. The debt they are attempting to collect from me is a XXXX XXXX credit card. I have told them multiple times that I know nothing of owing this company. I have requested that they send me proof that contains my signature where I agreed to a credit card with the ORIGINAL company. I also requested proof of activity on the card showing or adding up to the balance that is being reported. The company has not sent any of those items. This request was made in XXXX of this year and again in XXXX of this year. Both requests have been ignored. I will attach the final judgement and order that was placed on the company in 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act multiple fraudulent Inquiries have been found on my credit report. Please remove all inaccurate inquiries I have listed, the following includes : XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all of the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- Description of reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: CA

Complaint narrative:
I called Transunion and explained the federal law and that there was information i didnt consent to be on the report or i didnt report. I asked them to remove it because the items were not mine. they refused to remove. I then stated that they were in violation of 15 usc 1681n. the employee told me they knew and continue to tell me that the information will not be removed.

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 2022-08-08 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
On XX/XX/2022, had an accident in my leased vehicle. My insurance company declared a total loss on XX/XX/2022. 

On XX/XX/2022, my insurance company sent a check for {$24000.00} to XXXX XXXX XXXX XXXX, which was cleared on XX/XX/2022. 

My lease for Hyundai was due to expire in XXXX, XX/XX/XXXX, and we were in the process of speaking with our bank to get a loan to cover the {$14000.00} buyout amount at the end of the lease. 

Because the insurance paid XXXX XXXX {$24000.00}, there is a discrepancy of {$9700.00} which is in credit on the account. Hyundai refuses to pay me the difference ( the credit amount ) on the account, after giving me false information every time I have called them over the past 6 weeks. 

I have been told that a check will be expedited, that a manager needs to evaluate the account after 30 days, that the manager needs 5-7 days to evaluate the account, that it could take an additional 10 days to process the check and send it out, and now that they won't release the funds because it was a leased vehicle. I even asked if it could be transferred to a new vehicle purchase, and they said that was not an option.

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 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UMPQUA HOLDINGS CORPORATION
State: NJ

Complaint narrative:
Financial Pacific Leasing is preying on small businesses who have been impacted by the COVID-19 pandemic and struggling due to the current state of the economy. My business entered into a loan agreement with Financial Pacific Leasing in XX/XX/2020 in the total amount of {$33000.00}. The business suffered terrible hardships as a result of the COVID-19 pandemic. A business partner/investor passed away from COVID-19 in XX/XX/2020. Then the country shutdown in XX/XX/2020 and the business was subsequently not able to operate. When the Government allowed businesses to operate again the tow truck had severe mechanical breakdowns including the engine failing and could not operate. We spent XXXX of dollars on repairing the tow truck but unfortunately it is still not operable. During these hardships I made payments to the bank in a temporary reduced payment plan and I also remained in communication with Financial Pacific Leasing by phone and emails. I even offered to turned over the equipment to them but they said it was of not value to the bank. I have been receiving collections notices demanding full payment for balance owed in several different amounts. Some notices state the balance due is as high as {$75000.00}. There is no documentation stating how they have come up with these balance due amounts and I am extremely concerned that a bank can legally charge such an exorbitant amount of interest and fees. There are several similar complaints about Financial Pacific Leasing online and there are many other businesses being victimized by their predatory and unethical lending practices.

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 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
I sent a letter in for debt validation, the company did not get back to me with the information requested regarding account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I submitted an FDCPA Debt Validation request pursuant to 15 USC 1692g ( b ) to Reliant Capital Soluctions, LLC ( " Reliant Capital '' ) regarding a debt alleged to be owed by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In my initial debt dispute I disputed the {$930.00} total being alleged and requested that all supporting documents be provided to affirmatively demonstrate that I owed XXXX {$930.00} and how they reached that total. 

In response, Reliant Capital sent my a letter dated XX/XX/XXXX, which claims that I owed XXXX {$1200.00}, with no explanation as to why Reliant Capital was claiming more owed than what XXXX claimed less than a month earlier. 

Attached to Reliant Capital 's XX/XX/XXXX letter were print outs from XXXX, starting from XX/XX/XXXX to XX/XX/XXXX. Each print out claims to be a cumulative total of the amounts owed. 

XXXX claims I owe {$1500.00} XXXX claims I owe {$1600.00} XXXX claims I owe {$2000.00} XXXX claims I owe {$0.00} XXXX claims I owe {$0.00} This is consistent with my understanding that XXXX has been paid all moneys owed to it. The documents provided in response to my debt dispute fail to establish the {$930.00} claimed by XXXX on XX/XX/XXXX or the {$1200.00} being claimed by Reliant Capital on XX/XX/XXXX. 

I believe that Reliant Capital has violated 15 USC 1692e by providing false and misleading information, claiming that I owe an amount in excess of the amounts claimed by the party they are collecting a debt on behalf of, and further by providing documentation which they allege support the alleged debt they are seeking to collect - when that evidence actually establishes a {$0.00} balance.

Reliant Capital has failed to substantively answer my Debt Validation Request, and in fact provided evidence that there is a {$0.00} balance, and yet they claimed I owe {$1200.00}. I've submitted a second debt validation request on XX/XX/XXXX, advising of the same. 

Further, beyond documents being provided showing a XXXX balance, the debt they allege to be collecting are from XXXX and are barred by statutes of limitations in the state of Ohio. Reliant Capital has further violated CFPB regulations and the FDCPA by pursuing a time barred debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 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: CA

Complaint narrative:
Put Consumer Reporting agencies on notice that all accounts should be validated pursuant to 15 USC 1692g. Without written consent with instructions 15 usc 1681b ( 2 ).

an Extension of credit, or experience should not be shown on my consumer reports. Companies did not respond.

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 2022-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
I have gone through my annual check at my XXXX  XXXX. They had a tie up with XXXX  XXXX. I have paid my co-pay amount at the time of payment. 

All of a sudden, XXXX XXXX start following up for the {$21.00}. I have been unnecessary follow up to pay this amount and literary harnessed by XXXX & now Credit Control , LLC. 

These agencies are giving threat of reporting to my credit and spoil my credit records. 
It`s stressful situation for me. 

These companies are behaving like they have no control and keep harassing clients without evaluating situations.

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 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
XXXX  and theyre bank XXXX  let someone open an account in my name and withdrawal funds from my account and wont do anything to help the situation. I cant get a hold of a live person and they wont respond to my via email anymore. 

XX/XX/2021 XXXX XXXX  Charged me XXXX XX/XX/202XXXX XXXX XXXX Charged me 3 seprate times all for XXXX each adding up to XXXX XX/XX/2021 - XXXX Charged me twice for XXXX each adding up to XXXX that day XX/XX/2021 XXXX XXXX Charged me XXXX and again for XXXX. 

I few months later when i was doing my taxes i noticed the funds missing. My bank did a investagation but was unable to do anything since it had bee so long. I contacted XXXX multiple times and the refuse to do anything even though they have since locked the fraudulent account and know it was 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 explanation