vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
This is the second complaint made via this website. The first being on XX/XX/2023 after the vehicle was repossessed. Upon going to my parking spot I realized that my vehicle was not there. After several inquiries to the apartment complex where I live, I came to the realization that Credit Acceptance must have had my vehicle repossessed. Upon speaking to a customer representative and a supervisor, they informed me that there was a problem with my automatic payments, and they had not received payments on our agreed payment arrangement for the months of XXXX and XXXX. I informed them that I was not aware of this problem and inquired why they did not send me any notices regarding the default payments via mail as has been the case in the past. The supervisor at the time stated that she was not aware of why that was, but if I wanted my vehicle returned I would have to pay a certain amount of money, or the vehicle would be auctioned. After the first complaint, Credit Acceptance stated that they sent out a notice. They further claimed that the person investigating the complaint was unable to reach me. However, the notices that were sent out were done on the actual date of repossession, XX/XX/2023 and addressed to my former residence. The second notice was sent to my current address on XX/XX/2023 discussing the investigation set forth by Credit Acceptance after I filed the complaint. There was no correspondence presented by the company to demonstrate that they attempted to send me any communication via mail or email regarding default payments or due process of repossession of the vehicle. They failed to mention that I did return the phone call by the person investigating the complaint, and that she stated that she would investigate the matter, and there was no more communication with my person. Considering that Credit Acceptance had not tried to communicate as all businesses/organizations do regarding a missed payment, it is my belief that Credit Acceptance utilized two months of missed payments to justify and make a profit not only on the remaining balance, but also on fees that would be accrued after the vehicle is auctioned. A tactic that I find to be very disingenuous as they promote their company as one of helping those acquire a vehicle when they can not get approved by other loan companies. For a company that prides themselves in helping people get into a vehicle, their lack to communicate caused an unnecessary financial burden. I had to cancel my auto insurance that will most likely increase my rate when I return to the company and get insured again when I get a vehicle. As a result of not having a vehicle, I had to find other means of getting to my destination that caused a financial burden as well.

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 2023-09-14 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My credit score continues to decline due to old fraudulent debt that continues to reappear on different bureaus. Wells Fargo added charged off debt from 2016. They have me owning a vehicle that they took. They have not sent me any documentation that shows I had a loan with them. They added it to my credit reports after the credit bureaus removed the debt. This continues to happen over and over again. I thought it was illegal for creditors to add debt with different dates to all three credit bureaus. I am XXXX XXXX XXXX and have been fighting all this fraud on my credit for years. I dud hire an attorney but he needs documentation. He also stated in my case that Wells Fargo should not be showing anything on my credit report due to this being disputed. He also stated that no one can add debts with different dates on my credit report after it was removed due to me being an identity theft victim.

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 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I am on a fixed income. I get Social Security monthly. I live in XXXX Missouri in an apartment at XXXX XXXX - XXXX XXXX my rent is XXXX dollars a month. I have had it taken out of my checking account with an auto pay app that is XXXX online portal, which charges XXXX dollars all together comes to XXXX dollars. I began having problems with the app in XX/XX/XXXX. I was being charged twice. I call my bank which is Wells Fargo to let them know and all so-called XXXX XXXX to let them know XXXX XXXX Gave me the money back in a form of a check. So, I call the bank back to cancel my claim. Bank told me they had to do a XXXX XXXX XXXX XXXX. on the XXXX. I was told that is money would be sent to XXXX XXXX in 30 to 45 days. Date was XX/XX/XXXX. I waited, In XX/XX/XXXX I was told by Wells Fargo they sent the money to XXXX XXXX. I call XXXX XXXX they tell me they never received the money. so I called the bank back to get information on who, what, how and where this money went to. and needed a written letter of proof that it was sent. all I got was a Claim number, and a bunch of numbers that was an ID number. I just do not know who has this money Wells Fargo or XXXX XXXX. i XXXX cant throw XXXX out the window. Can you help me to find the money? thank you 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect information 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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX, I ordered food from grubhub. Per my card terms, I get a {$10.00} XXXX XXXX It was pending after purchase immediately. It did not post until XX/XX/XXXX which took up my XXXX credit and not my XXXX one correctly. I spoke with XXXX and they confirmed it was Amex who took time to post while Amex kept blaming the merchant. Amex contradicted themselves repeatedly ( XXXX, a customer service manager ) as to why they would not issue a credit. Refused to see my order date and kept not answering my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-09-14 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: FL

Complaint narrative:
Under the reference ( 15 USC 1681c2 ) they did not provide documents ive requested with multiple attempts to resolve the issue for the following account listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-14 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: FL

Complaint narrative:
Under the reference ( 15 USC 1681c2 ) they did not provide documents ive requested with multiple attempts to resolve the issue for the following account listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: MIDFIRST BANK
State: IL

Complaint narrative:
I am attaching my dispute letter to this form. The mortgage company clearly made a mistake when they transferred from XXXX XXXX XXXX XXXX to Midland and for some reason a late fee was assessed to my brothers account. I am the cosigner and that late fee hit my credit report. Its auto draft and he hasn't been late in over 2 years and it needs to 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 explanation
Consumer complaint received 2023-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This company was abusive to the collection of debt that has been cancelled by the creditor with a1099c I been asking for a copy for months never received one. They were mailing information to XXXX party family members addresses calling texting frequently on the same day. I loos my livelihood during Covid I was in XXXX XXXX in nyc and lost all 3 once my locations due to visitor restrictions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Kohls/Capone acct 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit account under open end consumer credit plan as late for any reason. 

I respectfully demand these alleged late violations of my rights be deleted or changed to Paid as agreed/never late. 
I request proof that I was notified of such alleged late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
HSBC refuses to return {$10000.00} sent to them from XXXX XXXX 's XXXX XXXX XXXX Account on XXXX. They have received the information requested and are free to verify content.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I have never been late with their company just this once. I contacted GMC financial on this matter. I sent over documentations regarding my father who was on his deathbed and he did not have insurance, and I had to literally pay all of his medical bills out of pocket. I asked if GMC could extend the date and I will pay them when my next paycheck comes. I sent over a letter from the doctor and the nurse, including his bills which is a violating from HHIPA. GMC had no remorse to the letters or my family tragedy and I feel like that was unfair because Ive never been late. This was a life or death situation either pay them and my dad dies. If GMC could just remove the late fee and stop assassinating my character to other companies that pulls my credit report. GMC are making other companies believe that I dont pay my bills on time and thats not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: AZ

Complaint narrative:
I had received three payments on my child support card in Arizona in XXXX and XXXX. I hadnt received a single payment from this party in over a year so I hadnt been checking my account. I happen to call my caseworker three days ago actually four days ago to check a status on my case and she said that I had received three payments totaling almost {$500.00}. I said thats crazy when I call the card it says I have a XXXX balance so when I looked into it online someone in Michigan had made transactions on my card that I did not authorize restaurants and a couple other things all based out of Michigan I can not get a hold of this company to save my life. Every time I call somebody they give me another number, but its all automated. I reported the car lost and stolen and even before I reported it lost and stolen I couldnt speak to a live person. Child Support is absolutely no help. They say that they dont deal with the way to go card I think thats very rude because its not my fault that someone took almost {$500.00} Im not giving up I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CMG Financial Services, Inc.
State: VA

Complaint narrative:
Issue : CMG Financials is intentionally delaying assumption of a 2.75 % VA home loan. Their delay tactics are in the 3rd month, impacting three military veterans : the one who wants to purchase and the military veteran homeowners ' ability to sell our home, one of whom is a XXXX XXXX XXXXXXXX veteran. There is no reason CMG should not be able to move faster with the loan assumption process - this is standard practice for financial institutions holding VA home loans. At this point, we can not proceed with the prospective buyer to even complete his part of the paperwork because CMG Financial first needs to render the ( very simple ) decision that our VA loan is assumable. While we understand it may not be in their financial interest to have someone assume a 2.75 % home loan given today 's mortgage rates, it is the veterans ' right to be able to do so - CMG 's delay tactics may be imperiling the financial situation of other veterans as well, which is why we are seeking help now to move this along. Below is a general timeline of our highly bureaucratic interactions with CMG Financial to date : XX/XX/2023 - submitted required documentation ( " Preliminary Request for Assumption/Release of Liability '' form ) to CMG Financial 's `` Assumptions Department '' at XXXX ) and via certified mail to XXXX XXXX XXXXXXXX XXXX, NJ XXXX. The reason for my request is that we have a buyer for our property. As a military veteran, he wants to assume our 2.75 % VA loan. 

XX/XX/2023- I heard nothing back from CMG Financial, so I called in XXXX to follow up. I requested to speak to one of their mortgage managers and was able to do so. The mortgage manager advised that she would contact the Assumptions Department for status and stated that I am not allowed to do so, even as the homeowner with the mortgage needing quick resolution to sell my home. 

XX/XX/2023. I received no status update until I called the CMG mortgage manager back on XXXX XXXX for status. Surprisingly she called me back the same day. However, she then stated that I must re-send via email the same documents I originally sent ( via email and certified copy ) in XX/XX/2023. She also stated CMG Financial will not respond to my email and that I can not call them. The waiting game continues...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: VA

Complaint narrative:
I have recently checked my credit report and noticed that there are about 9 inquires on my report. Majority of them are inaccurate. I have filled out a FTC report with the inquires that are inaccurate as i have not authorized these companies to run my credit. Only XXXX is the inquiry is accurate the rest are not.

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