vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX XXXX 1st Notice U.S Postal Service Certified Mail # XXXX 2nd Notice U.S Postal Service Certified Mail # XXXX CAPITAL ONE AUTO 1st Notice U.S Postal Service Certified Mail # XXXX 15 U.S. Code 1635 - Right of rescission ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 

( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: PA

Complaint narrative:
To whom this may concern I have notice that Transunion have been sharing my NON PUBLIC PERSONAL INFORMATION with XXXX XXXX XXXX XXXX this is a Violation of my Consumer Right to Privacy, Permissible Purposes, Identity Theft. I have never gave them Consent to share my information. Due to them Violating my Consumer Rights I have listed a few Demands. See attached Documentation.

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 2022-11-08 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: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I have been trying since XXXX of 2020 to explain that my identity was stolen and to get this information removed from my report I submitted police reports and action still have not been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: MN

Complaint narrative:
Starting XX/XX/2022 I worked with XXXX Mortgage to resolve a missing payment issue. This payment was missing due to the transfer from XXXX Mortgage to XXXX Mortgage in XX/XX/2022. I did not receive a statement specifying where to send payment to XXXX so I continued to pay XXXX. The XXXX payment was lost by the mortgage service provider. I provided mortgage statements, payment history and bank statements to XXXX Mortgage to verify the payments were made on time. The completed their investigation and finally provided a letter on XX/XX/2022 stating the payments were made and their records were updated. They also mentioned that they never reported anything delinquent to my credit report. I investigated my credit reports and found the late status was reported to the bureaus and it affected my score by XXXX points per report. I have requested the bank reverse this information and they told me I need to MAIL a paper copy of my credit report to their XXXX XXXX po box and they would review. This is a completely unacceptable solution and frankly a dangerous one considering the high volume of identity theft. I have attached their letter as proof.

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 2022-11-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NC

Complaint narrative:
In XX/XX/XXXX, this collection agency proceeded to try to collect funds that were NOT owed and while the litigation of the case was in process. This has been an ongoing legal issue with original creditor since XXXX. The collection agency failed to provide validation the debt all while knowing this account was going through the litigation process. The counsel for the Apartment complex has been willing to work with my attorneys to resolve this matter and they have agreed to settle this issue. I can not share all of the allegations and filings but I can share the response from their clients general counsel that proves this collection agency is in violation. This collection agency had enough proof to remove this collection while my attorney worked with their clients attorney and refused. They have damaged my credit for over a year and legal proceedings will begin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been sending certified documents in to this company and they still wont remove the information although its fraud and it still reports to my account.

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 2022-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have an auto loan with Ally Financial. I sent them a letter regarding discharge of debt. In response, Ally sent me a letter stating they don't know what I'm trying to accomplish but they are now restricting my account for 6 months where I can only make payments to them with certified funds. I have always and on time made my payments via their app. The funds are withdrawn from my bank account and deposited to the loan balance. 
They are forcing me to pay an additional fee to XXXX, XXXX XXXX, etc to make payments for 6 months. I perceive this as some sort of retaliation to my request. I don't see how they have the right to cause me additional financial burden in order to make a payment that I've never been late on.

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 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have fully paid up my mortgage dues and Select Portfolio Servicing OMBUDSMAN OR CUSTOMER SERVICE refusing to correct my account which is still showing as 1 month behind. I NEED AN AUDIT. Here is proof of all my payments made after Covid-19 : PAID {$1600.00} XX/XX/2022 PAID {$1200.00} XX/XX/2022 CONFIRMATION XXXX PAID {$330.00} & {$330.00} CONFIRMATION XXXX PAID {$1700.00} XX/XX/2022 CONFIRMATION XXXX PAID {$300.00} XX/XX/2022 CONFIRMATION XXXX PAID {$1600.00} XX/XX/2022 CONFIRMATION XXXX PROCESSED BY XXXX XXXX XXXX XXXX WHO TOLD ME THAT MY ACT. WAS FULLY CURRENT PAID {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: FL

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. 

Account name : 1 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX 2 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX 3 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX ) Account number : XXXX Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX XXXX ) XXXX date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX XXXX ) Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX these accounts has violated my rights. 

XXXX5 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.

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 2022-11-08 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: GA

Complaint narrative:
On XX/XX/1922 I received correspondence from XXXX about a credit card that was applied for on XXXX. I immediately called them to inform them that someone had applied for this card in my name and that it was fraud. XXXX informed me that they would be contacting the credit agencies to inform them that the inquire placed on my consumer file is fraud and it needs to be removed. They also stated that they opened a fraud dispute. As of today XXXX XXXX is still reporting this fraudulent inquiries on my consumer credit files. I reach out to them again last week and the agent stated that they needed to open a fraud dispute. I don't understand why they are telling me that they are opening a fraud dispute again if XXXX was suppose to have been opened on XX/XX/XXXX when I called them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: CA

Complaint narrative:
My credit profile has multiple inquires that were not made by me I have submitted a complaint almost 60 days ago and still nothing has changed please remove these fraudulent inquires. I have mailed my ID and SSN and theft report multiple times and still havent gotten a response.

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 2022-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: FL

Complaint narrative:
On XX/XX/2022, I contacted AFNI requesting them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. 

As of date they have not provided me with this information they keep sending me letters only saying that I owe XXXX, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. 

Your assistance in this matter is greatly appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: FL

Complaint narrative:
This company is continuously violating my federal protected consumer rights by reporting information that they have no permission to report.Based on 15 U.S. Code 1681b they have to be given written consent to share private personal information and I have not given my permission.

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 2022-11-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This company is continuously violating my federal protected consumer rights by reporting information that they have no permission to report.Based on 15 U.S. Code 1681b they have to be given written consent to share private personal information and I have not given my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
my credit report has been reporting multiple inquiries that I have not authorized nor have knowledge. In XX/XX/2021, I purchased a vehicle form a dealership, but I already had a pre Approval from my credit union " Illinois XXXX XXXX XXXX. While giving my information to the dealership I noticed my credit was ran multiple times for potential lenders that I did not authorize and it is still negatively affecting my credit report to this day. To remedy this situation, I contacted XXXX and notified that these inquiries were not authorized and should be removed due to the negative affect on my personal credit score and report, for potential lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: LEXISNEXIS
State: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: CT

Complaint narrative:
I had paid a collection account and the company is still reporting this as an open balance. This is non compliant and I have already consulted my attorney to receive {$1000.00} in damages and to delete the account.

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 2022-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
PRESENTED A CASHIERS ( BANK CHECK ) ISSUED BY TD BANK FOR DEPOSIT INTO A WELLS FARGO BUSINESS CHECKING ACCOUNT. WELLS FARGO INDICATED THAT IT WILL TAKE 10 DAYS TO CLEAR. 

HAD TO RETURN TO TD BANK AND DO A WIRE TRANSFER FOR WHICH I WAS CHARGED FEES BY TD BANK AND WELLS FARGO. 

WELLS COULD NOT CLEARLY DEFINE THEIR POLICY ON ACCEPTING BANK CHECKS. I HEARD A FEW DIFFERENT THINGS FROM WELLS AS TO WHY OT TAKES 10 BUSINESS DAYS TO CLEAR A CASHIERS/BANK CHECK : 1. THE WELLS ACCOUNT THAT THE CHECK WAS BEING DEPOSITED TO WAS ONLY 7 MONTHS OLD.

2. THE HOLD IS DETERMINED BY THE LOCAL BRANCH MANAGER.

3. TELLER WASN'T SURE WHY THEIR WOULD BE A HOLD. 

BRANCH LOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, 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 monetary relief
Consumer complaint received 2022-11-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint comes forward as I XXXX XXXX have reached out to each in this particular case Experian Fraud Dept as they have reviewed my complaint and my dispute towards fraudulent Reporting activities on my credit profile and they have stated that they were going to update my credit profile however, they have not I have given them a federal affidavit as well as a truth in fact statement towards accounts that have been fraudulently placed on my credit profile after a data breach yet to no avail. I am

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 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been sending certified documents in to this company and they still wont remove the information although its fraud and it still reports to my account.

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 2022-11-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights toprivacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  reference number XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 ) y ( 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.

Company response to consumer: Closed with explanation