vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
XXXX XX/XX/2023 I only owed Credit acceptance {$3400.00} for my vehicle and it would be paid off. Skip to XX/XX/2023 They now claim I owe more than {$10000.00}! They did not call me or email me yet repossessed my vehicle on XXXX XXXX which is today. Theyve done this twice in the past 7 months trying to get more money from 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 2023-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
A full payment that was due on the account on XX/XX/2023 was scheduled to be paid for XX/XX/2023. On XX/XX/2023, the online portal that PHEAA releases to those for managing their account falsely advertised that my account was delinquent despite the payment being made online ON THE DUE DATE and FOR THE DUE DATE. 

This is an ongoing pattern and happens every time payments are made. PHEAA ignores and disregards the issue and tries to intimidate me for making CFPB complaints about it in the interim. If I call in or submit Customer Service Inquiries about the issue, I am met with responses that deflect the issue and Agents will respond with statements that they have no control over the issue. 

I have had to complain about this so many times. Unfortunately, unless and until it is corrected, complaints will be submitted. PHEAA needs to stop blaming the borrower and defending their dodgy behavior for the terrible decisions and policies that were made by idiots running that organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: PA

Complaint narrative:
XXXX Accounts and Inquiries on all three credit 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 2023-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was charged an absurd interest rate for my car loan of XXXX years with Wells Fargo Auto Loans.

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 2023-04-27 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: PA

Complaint narrative:
Fraud Accounts and Inquiries on all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraud Accounts and Inquiries on all three credit 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 2023-04-27 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: MD

Complaint narrative:
On XX/XX/2023 received an email from Experian regarding report number XXXX dispute results by XXXX XXXX XXXX XXXX ( XXXX  ) Dispute came back, Updated so I looked to see what was updated. The month of XXXX is reporting late. I first called Experian about the late payment in XXXX, the rep. Told me that they did not put it on there that the data furnisher furnished it. ( XXXX XXXX XXXX ) when I called XXXX XXXX XXXX, and told them about the late payment. The Rep. replied : THATS IMPOSSIBLE! And went on to say that we only report on the first of the month, that my bill is due on the XXXX of the month, it has not been 30 days and on the first of XXXX would not make me late.Theres no way XXXX XXXX services marked you late. 

( XXXX XXXX a natural person ) Experian told me that they didnt do it, XXXX telling me that they didnt do it. Yet its still on my consumer report. Its inaccurately reporting. 15 usc 1681i procedure and case of disputed accuracy. 
I would like for the CFPB TO REINVESTIGATE this matter. 
It also says my recent payment was XX/XX/ thats inaccurate as well, but I have transactions from my bank to prove this to be inaccurate incomplete.

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 2023-04-27 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: TX

Complaint narrative:
XXXX XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the record of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cost to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX is reporting a former name that I have never used for financial purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the record of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cost to believe that the information 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 explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
My sole residential property is in active foreclosure, I have submitted an application for mortgage assistance through The Georgia Homeowners Assistance Fund ( HAF ). This fund is managed through the Georgia Department of Consumer Affairs authorized by the federal Rescue Plan Act. In order to submit my application in full and receive mortgage assistance, this state department is requiring my most current mortgage statement. 

I have attempted numerous times to receive a current mortgage statement from the mortgage lender. The mortgage lender has either claimed to have " sent '' my request to a separate department, or have simply refused exclaiming that they will not send me a statement as they are not required to do so during an active foreclosure. Furthermore, the mortgage lender has taken away my online account access claiming that homeowners behind in payments no longer have the right to online access. 

In addition, the mortgage lender also claims that due to the property being in active foreclosure, any request for a current mortgage statement would have to be made to the foreclosure attorney/law firm. I have asked the foreclosure attorney/law firm for the most current mortgage statement in which I am told all mortgage statements need to be requested directly from the mortgage lender. -- To be clear, I have already received a reinstatement balance from the attorney. The document I am needing is the most current mortgage statement. 

I have the right to a current mortgage statement. It is my belief that Amerihome Mortgage is impeding on my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reel Time Capital LLC
State: TX

Complaint narrative:
They have been calling me and 6 of my family members multiple times a day threatening me and harassing me from XX/XX/2023 to the present day XX/XX/2023. 

XXXX XXXX 43 years of age XXXX XXXX contacting your regards to a claim that is in the process of being founded XXXX XXXX. XXXX XXXX had to make you aware that wants to claim number and is in XXXX. XXXX is XXXX XXXX. It does become a matter of public record in the world becoming order for the location since I haven't been able to reach you by phone up and instructed in contact the employer to speak directly to the supervisor. It does appear that it will be the likely place of location XXXX. You have the legal right to contact that office is felony claim to update that information telephone number that is provided is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX that claim number is in XXXX XXXX is considered to be illegal notification by telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
In XXXX The Money Source Inc failed to send all documents related to a mortgage modification that I had been successful with trial payments on. After confirming that the modification had been finalized and submitting the documents that were sent to me I received a modification denial letter almost three months later citing I did not return the documents. I have confirmation not only that I completed and sent the documents via email, and USPS but TMS also filed the same documents in US Bankruptcy Courts on XX/XX/ via their Attorney XXXX XXXX XXXX XXXX XXXX XXXX I believe TMS made a clerical error and rather than rectifying the matter with FHA/HUD agencies they forced and coerced me into multiple subsequent mortgage modifications which have been very unfavorable. My original modification would have brought my monthly payment to {$1500.00} with an APR of 2.8 % versus my current loan status of {$2200.00} with APR of 6.37 %. I believe that TMS has made grievous error in this matter including failure to respond to my subsequent appeal in writing and my formal request under the RESPA Act dated XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I was denied a home re-finance due to a collection account being on my credit, which I did not know existed. 

Once I realized it was there, I contacted the collection company, ( Resurgent ), and they told me it was a debt from a XXXX account in XXXX, which I have no knowledge of. 

I sent a certified letter asking for verification of debt, which they received on XX/XX/XXXX, and have not responded to at all! 

I have requested on multiple ocassions that they remove this FALSE debt from my credit, until they can prove otherwise, however, they will not, and are using unethical tactics to try and collect a debt that isn't owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
XX/XX/XXXX - Received a letter from my employer with copy of wage garnishment for Portfolio Recovery. 

Ending of XXXX ( Attached to wage garnishment letter ) - Portfolio Recovery filed a lawsuit. I never received any paperwork regarding this lawsuit. 

I have not received any notification from this debt collector nor was I ever provided any explanation or verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: DISCOVER BANK
State: VA

Complaint narrative:
Charged {$71.00} from XXXX. XXXX screwed the order so bad they gave me a {$7.00} credit on XXXX for shipping. Lamp never delivered. XXXX knows this as driver 's photos show XXXX small packages at the door. Scale was delivered but does not work. Weighed me in at XXXX lbs. The bill is inaccurate and will not be paid. XXXX and Discover both know that these charges are bogus and are engaged in interstate theft and fraud. Bought a scale from a different vendor XXXX Discover statement. I will pay {$6.00} for ice trays and bin, that's it. 
The bill is fantasy and wildly inaccurate and both billers know it. It is a testament to the dishonesty and incompetence of both.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
TransUnion is reporting a former name that I have never used for financial purposes

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent accounts and inquiries appearing on credit report. 1. XXXX XXXX {$0.00} 2. XXXX {$510.00} 3. XXXX XXXX XXXX {$810.00} 4. XXXX {$25000.00} Inquiries 1. XXXX 2 XXXX XXXX XXXX, 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. 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 2023-04-27 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: PA

Complaint narrative:
Fraudulent accounts and inquiries appearing on credit report. XXXX. XXXX XXXX {$0.00} XXXX. XXXX {$510.00} XXXX. XXXX XXXX XXXX {$810.00} XXXX. XXXX {$25000.00} Inquiries 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 2023-04-27 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: PA

Complaint narrative:
Fraudulent accounts and inquiries appearing on credit report. XXXX. XXXX XXXX {$0.00} XXXX. XXXX {$510.00} XXXX. XXXX XXXX XXXX {$810.00} XXXX. XXXX {$25000.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
See the documents attached. 

This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Williams & Fudge, Inc
State: MI

Complaint narrative:
This complaint is over {$1500.00} that is attempted to be collected by XXXX XXXX XXXX. There is multiple problems with this and THE TOTAL AMOUNT should have been released already. 

1 ) My federal debt is on schedule to be released under the forgiveness act. 
2 ) I worked for the school itself and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX and permanately XXXX. XXXX denied my workmans comp. and I have a continuing case on this matter however, I am not working and SSDI XXXX ( approved ) as PD. since XXXX and when I contacted XXXX they ignored me and this is targeting in retaliation to this case WHICH THE SCHOOL ITSELF is LIABLE FOR. 
3 ) I am XXXX and XXXX since the above and living on a very limited budget. XXXX ignored this and this entire matter is prejudice on the case of XXXX which I will look into discrimination AGAINST a XXXX person. ( great work ). 
4 ) This entire amount should have been released long ago and it kept me from continuing school. They are scandalous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Cover Page of Credit Report shows 5 accounts ever late ; no late payments reported on the Credit Report. 

Accounts : XXXX - {$1300.00} ( XXXX XXXX Reported Wrong Amount {$500.00} Deposit Missing - Lease Agreement, Email & Itemized Receipt Attached ) XXXX Funding - {$1000.00} ( Reports To Only TransUnion - Original Collection Amount Shows Inaccurately & Inconsistent ) XXXX XXXX - {$2100.00} ( Reports To XXXX, XXXX - Original Collection Amount Shows Inaccurately & Inconsistent ) XXXX - {$3500.00} ( Reports To XXXX, TransUnion, XXXX - Original Collection Amount Shows Inaccurately & Inconsistent ) 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Thank You : First of all thank you for your help, I am getting closer to my goal of owning a home and have a continued commitment of repaying my debt and making payments to creditors on time. I was able to accomplish a lot with working on repairing my credit based on my rights but we have more work to do. 

Success Story : XXXX XXXX XXXX XXXXXXXX ( deleted ), Department of EducationXXXX XXXX late payments removed ), XXXX  XXXX ( paid off/deleted ) Goals : I will continue to increase my credit score, make on time payments to creditors, repay my debt, and purchase a home. Please remove " 4 accounts '' due to inaccuracies and inconsistency in accounts reporting between XXXX, Transunion, 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