vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I recently financed a vehicle with Ally. Made the first payment in XXXX via their website. In XXXX, I could not make a payment from the website or app as my account does not have the vehicle/loan information in it. I've called Ally MULTIPLE times to get this fixed. Most that I talk to have no idea what's going on or why. After finally getting a manager to talk to me, she told me they had a system issue and working on it. I was told this last week ( XXXX ). It's been down since the second week of XXXX. The only option they now give me to pay my loan is via phone to a third party that charges a fee to make the payment. This bank has issues and something larger than being revealed. ( breach, hack, incompetent, whatever it is ). All I want is to be able to pay my loan, see the loan data ( interest paid etc ) and NO ONE there can help 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 2023-12-13 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OR

Complaint narrative:
Misrepersentation of information, never conducted private or business with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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 urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-12-13 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-12-13 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I placed an order online from boschdevice.com for {$150.00}. the website turned out to be bogus. The transaction ended up stating it was from tiktok but I've never used tiktok before ever. so I told PayPal what happened and filed a dispute. They said they would investigate and let me know but I stead they denied it without saying anything. So I contacted them again and asked why and had to explain what happened again. Then as I went through all the info I had about the company I ordered from I discovered they use several different business names then somehow the end transaction says it's from XXXX XXXX. The only reason I decided to order was because they accepted PayPal for payment and I know they have a protection for buyers using them so I thought I was safe. I spoke to PayPal at XXXX point and they said not to worry that I was covered by their protection. Then they denied it! Since then I've filed disputes XXXX or XXXX more times and they've all been denied without any reason or anything! I'm so frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I have experienced a Covid-related hardship related to a tenant at a rental property. This property has a mortgage that is serviced by SPS Servicing. In XXXX, I reached out to convey this hardship and sought a payment deferral that was made required by Fannie Mae on XX/XX/2023. These enhanced terms provide that a payment deferral plan be enacted for up to XXXX months ( deferred payments accrue in a non-interest bearing account ) and that no negative reporting would be issued for missed payments. 

The servicer told me that I needed to let the mortgage go XXXX months delinquent before any options could be explored. When I called SPS Servicing recently ( XX/XX/XXXX ) a representative told me that I was severely behind in payments and that steps for foreclosure would begin XX/XX/XXXX. I inquired again about XXXX XXXX XXXXs enhanced deferral policies and the individual was unaware of these new required terms. Also, she could not distinguish between payment deferrals and a loan modification ( she was pressuring me to get a modification which I do not want to do ). As an alternative, the representative told me to submit a letter requesting the newly required enhanced deferral terms, which I submitted but have not heard back from. She also told me to complete a form that is supposed to be under a " Mortgage Assistance '' section but the link on my profile does not yield any information. I am deeply concerned that I will lose my home due to the servicer either being unwilling to abide by XXXX XXXX XXXX XXXX required enhanced terms or they are completely unaware of them. I need their proactive communication with me as I have sought to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: Uplift, Inc
State: NY

Complaint narrative:
Yesterday, XXXX XXXX XXXX  I was notified via XXXX XXXX that XXXX dropped my otherwise good credit score by XXXX points! Shocked at this revelation, I immediately looked into my credit report to discover that UPLIFT, a loan installment company, reported me late for {$4.00} of residual interest left over from a loan I had satisfied in XXXXXXXX XXXX. Needless to say, I was shocked that I even had a balance with UPLIFT and that they ruined my credit score for {$4.00}. When I called UPLIFT to inquire about the sixty-day-late credit reporting, they said that my loan, which I paid in installments on time in five amounts of XXXX had accrued interest. I was told by the representative that the final payment that I made of {$850.00}, which was slightly hire than the other months, was my final payment and that I would be paid off for the loan. Why hadn't all the interest been applied then? At no point and time was I told to look out for any residual accrued interest ... at all. In fact, my the online portal showed me paid off at the time of my last payment. I spoke to a representative and a supervisor at UPLIFT who were very indifferent and told me that they had sent emails. With SPAM and all of the junk email I get, I didn't see these emails, especially since I hadn't been looking for anything from UPLIFT because I had paid the last installment. I asked why they hadn't notified me by other means like ; via cell phone, sms message, or US mail if I had not been reachable. Surely, I would've paid the {$4.00} immediately if I'd know it was outstanding rather than ruin my good credit that I've always taken pride in maintaining for many years. They're response was that they only notify by email and that only some customers will receive an SMS in addition ; how they determined who gets the secondary notification is beyond me. I'm shocked, despondent and in total disbelief that a company who I had been in very good standing with in paying all of my installments as agreed, would seek to ruin my credit for a mere {$4.00}, the price of a cup of coffee, moreover, without giving me a fair chance to resolve this very insignificant amount. It is not fair that I suffer a hurt credit score for seven years because I didn't know that an account I paid off accrued {$4.00} of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: SC

Complaint narrative:
have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX I received a notification from XXXX, which alerts me when there are any change made to my credit file. The notification was that two accounts were reported to collections by the company Jefferson Capital Systems. 

Prior to these accounts being listed on my credit file, Jefferson Capital Systems did not reach out to me or contact me as required by federal law section XXXX ( a ) ( 1 ) which states : A debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section. 

Jefferson Capital Systems failed to follow this law and in the course of their negligence, and not properly allowing me to verify and dispute these accounts, thier actions caused my credit score to plummet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against XXXX for repeatedly inaccurately reporting the delinquency dates of several accounts held with Navient on my credit report. Despite multiple attempts to rectify this issue directly with XXXX, the erroneous information persists, adversely affecting my credit score and financial standing.

Key Details of the Dispute : Original Delinquency Date : The accounts in question became delinquent in XXXX This date should legally mark the commencement of the seven-year period for the information to remain on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Last Payment Date : The last payment made on these accounts was in XXXXXXXX However, this payment did not bring the accounts current. According to the FCRA, the date of the first delinquency should remain the start date for the seven-year reporting period, even if subsequent payments were made. 

Evidence Submitted : In my disputes with XXXX, I have provided clear evidence, including account statements and records, confirming that the delinquency date for these accounts was indeed in XXXX and not XXXXXXXX 

Repeated Disputes and Lack of Resolution : Despite providing adequate evidence and engaging in multiple disputes, XXXX has failed to correct the delinquency dates on these accounts. This continued misreporting demonstrates either a significant oversight in their dispute resolution process or a willful neglect of accurate credit reporting practices. 

Impact on Me : This incorrect information has unjustly lowered my credit score, potentially affecting my ability to obtain credit, secure housing, or even gain employment. The emotional and financial stress caused by this inaccuracy can not be overstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
After 2 days of going back and forth with XXXX associates at XXXX  Honda about the misrepresentation of availability of vehicles online ; I went into XXXX  Honda dealership on XX/XX/XXXX around XXXX with my husband to purchase a XXXX Honda XXXX Touring that I was told would be available. After I filled out XXXX credit applications online, I was informed that those were not the full credit applications that were required for financing. While going through the application I was also informed that a credit check through the a consumer reporting agency would be done and that was also a required step in obtaining financing. After the credit check and my credit score was below XXXX, I was told I would need a cosigner and I refused. I told XXXX ( sales associate/manager ) that a credit score was not needed to obtain financing and he refused to listen to me. I requested to speak with the financing department and after the same conversation I was told to leave and talk to an attorney because we were not getting anywhere and after filling out the XXXX credit application with XXXX XXXX ( XXXX department associate ) I was unable to get any print out information on who my credit application was sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TX

Complaint narrative:
ASK THE COMPANY TO SEND DOCUMENTS OR DOCUMENTATION SHOWING PROOF THESE ACCOUNTS BELONG TO ME. COMPANY ( S ) NEVER SENT PROOF THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOME HAS USED MY IDENTITY TO ENGAGE IN OBTAINING FRAUDULENT CREDIT IN MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person. i also have a screenshot of a email sent from them saying they not gong to complete my dispute do to they think its a 3rd party or not me sending the 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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax kept on putting me through loops on their phone system and was not able to manually unfreeze my credit report through their website even if my security verification went through. Cant check status of my credit now. Their website is always broken and I keep getting spammed by XXXX time passcodes for verification even if I did not request it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have called Experian numerous times. The last person that i spoke with was a gentleman with the name of XXXX, which he provided. I asked to speak with a supervisor. When I asked to speak with a supervisor, he got defensive and asked why. When I didn't give him the reason, he kept me on hold for over 30 minutes and sid there was no supervisor available. Simultaneously, while on hold with XXXX, I called in to Experian from another phone line and asked for a supervisor and was given a supervisor within 5 minutes of the call. 

I called in because I had questions about my credit report and how to navigate the website. Instead of walking me through it, XXXX simply gave me a date. When I asked where he got that date, he got very defensive. I think he simply gave me wrong information and grew impatient when he couldn't show me where he got the information.

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 2023-12-13 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company is reporting 2 accounts but they are the same fraudulent account that is a result of An account that I DID NOT AUTHORIZE TO BE OPENED, WHICH RESULTED IN UNAUTHORIZED CHARGES, I HAVE NO KNOWLEDGE OF THIS ACCOUNT! IT DONT BELONG TO ME! I HAVE REPEATEDLY DISPUTED THE ACCOUNT REQUESTING TO REMOVE, THEY HAVE NOT DONE SO. XXXX XXXX Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX keeps contacting me via email ( usually filtered through as SPAM ) in an attempt to collect for Security Credit Services on a debt that is beyond the Statute of Limitations as stated in their own collection attempts : " The law limits how long you can be sued on a debt. Because of the age of your debt, SECURITY CREDIT SERVICES , LLC can not sue you for it. If you do not pay the debt, SECURITY CREDIT SERVICES , LLC may [ continue to ] report the debt to any credit reporting agency for as long as the law permits this reporting. XXXX XXXX XXXX XXXX XXXX XXXX can not sue you on this debt and XXXX XXXX XXXX XXXX XXXX XXXX can not report this debt to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making certain payment on the debt or making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. '' Thier own reference number is : XXXX Account is listed as : Original Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I keep trying to get equifax to either update or remove XXXX XXXX account ending in XXXX. Ive reported them multiple times and provided an ftc report and they refuse to do anything about it. Ive been trying to get this account off of my credit report for almost a month now. i reached out to XXXX XXXX  and the local branch manager even told me it is reporting inaccurately. it's showing late payments for XXXX, XXXX and XXXX and that is false. the local branch manager informed me that it should not have any late payments on it. i keep calling equifax, speaking to supervisors and getting different answers

Company response to consumer: Closed with non-monetary relief