vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: CA

Complaint narrative:
EQUIFAX is in non-compliance and illegally reporting Inaccurate false information About me the following alleged account is listed as collection XXXX XXXX XXXX in the amount of {$530.00} And is updated With past due balances and an open account As of XX/XX/2023 This is a direct violation of the FCRA and is also in violation of requisites Metro2 Compliant Reporting Standards By the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance in implemented With the CRSA enacted DCIA Metro 2 compliance regulations I have a right to a fair and accurate credit report and they are required to remove any information that is not true accurate, compliant and verifiable Please investigate thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Re : XXXX Acct # XXXX On XXXX XXXX, I purchased a new vehicle from XXXX XXXXXXXX XXXX XXXX NJ . At that point I turned in my XXXX  XXXX XXXX, to that dealership. I was told that the remaining balance of {$840.00} would be rolled into my loan with XXXX XXXX ( I have attached the Authorization for payoff form ). 
However, for years Nissan XXXX is showing up on my credit report with a balance of {$4500.00}, however it shows current and {$0.00} as current payment. 
This debt is not my responsibility, it was supposed to be rolled into my previous vehicle payment. In the three years since I turned in this vehicle, I have never received a bill, and on my credit report, it shows payments are current. 
It is imperative that this debt is removed from my credit report! If I need to provide any additional paperwork to get this removed, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
Last year around XXXX XXXX my vehicle was repossessed. The creditor didnt send me any notices prior to being repossessed. My personal items were damaged that was inside the vehicle once i went to redeem it after calling the police because i thought the truck was stolen. In XXXX of this year I was repossessed again without Notice of default right to cure or notice of sale. I requested documentation on the vehicle and was sent someone elses contract that I do not know. I then reviewed all the documentation the creditor sent and realized they had me unconsciously wave my rights of their wrong doings and other violations thatll lead to me not being responsible for a deficiency balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My husband and I are currently trying to refinance our home. We originally had a mortgage from XXXX. The loan was sold to SPS Servcing in XXXX. We are unable to get the home refinanced due to a deferred interest balance that XXXX had put on our account. We do not recall having the loan remodified or payments deferred. The underwriter is asking for paperwork showing what this interest is for. 

I originally spoke to SPS XXXX  weeks ago to see if they had documentation from XXXX explaining the interest. I was told that this was something that was done by the previous lender and they only documentation they had were copies of statements. They said I would have to contact XXXX. I am sure you are aware that XXXX is out of business! There is no one we can talk to about this deferred interest! 

A week later I spoke with SPS again to see what paperwork was sent from XXXX when the mortgage was sold to them. I was told nothing was sent over from the previous lender. How can this be- where is all the paperwork! 

A few days later my mortgage officer from XXXX XXXX and I called SPS on a conference call to see if we couldn't get some sort of explanation! We found the individual from SPS to be nice but no very willing to do any research or look further to try and assist us! 

On Tuesday, XX/XX/XXXX I called SPS again to see if they had found anything. I was told by the individual who answered the phone that she found a document dated XXXX that showed the deferrment. She was going to send it to me. I did not receive it! 

Once again on Wednesday, XX/XX/XXXX my mortgage officer and I made a conference call to XXXX at SPS to see the status of the document that the individual from the XX/XX/XXXX call was going to send me. She informed us that according to their correspondance no request for a document was issued. 

We were on the phone with XXXX for about XXXX minutes asking and begging her to do further research and she replied that all she had were the papers in the files. She finally agreed to have the research department look at our file. She obviously was not willing to do anything further than read her file. 

My husband and I are between a rock and a hard place- we need to get our home refinanced ASAP. 

How can a company like XXXX sell a mortgage and not forward all the documentation to the new owner ( SPS )? 

Please help us. 

XXXX & XXXX 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 2023-08-16 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:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C. 1681, section 602.A states I have the right to privacy. 

15 U.S.C Section 604. A.Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-08-16 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number XXXX 15 U.S.C. 1681, section 602.A states I have the right to privacy. 

15 U.S.C Section 604. A.Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX from US Auto Sales, in XXXX of XXXX. The car had a manufacturers recall on the engine, in which myself and my Husband received the notice for in the mail. In XXXX of XXXX unfortunately US Auto went out of business, and my car was taken in to my local Kia dealership for the recall work needed. Its actually a fire hazard issue. None the less, upon my car having to sit in the line of cars at Kia for over two months to get started on, the service Manager informed me that the recall work wouldnt be covered, because in XXXX US Auto didnt get the recall work done then. So XXXX  refuses to do it. The cost would be thousands of dollars. Had US Auto still been in business, I would have gone to their dealership and they would have had to put me in another car, or FIX the issue!!! I literally have payed on this car since XXXX. I experienced them turning my car off on me when I was out of town and stranded on the last for a day late payment after communicating with them. XXXX XXXX XXXX has taken over their accounts, but are of no help. My car is still sitting at the XXXX  dealership since it cant be fixed. I requested a voluntary repo and they havent gotten the car yet! I am at a cross roads and need help knowing what my next move should be. I am willing to speak to whoever about this and provide whatever documentation needed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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:
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. 

The letters are stated with items and issues. 

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.

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 2023-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Mobiloans, LLC
State: NE

Complaint narrative:
The customer service representative will not verify my identity unless I provide them my full social security number, date of birth, zip code, email address, phone number, bank routing number and bank account number. I dont feel comfortable giving them all that information and feel its a bit excessive in order to confirm my identity. I did, however, provide all the information excluding my banking information and they said unless I provide all my personal information, they are unable to answer any specific questions about my account and would only be able to answer general questions. I feel this violates my rights and privacy and raises the risk of potential identity theft.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been in the process of purchasing a new vehicle And home but I have been turned down due to the information I found on my account. 

On my credit report there is a Charge off from : 1. XXXX XXXX  XXXXXX/XX/XXXX for the amount of {$230.00} & {$150.00} from XX/XX/XXXX. 
2. XXXX XXXX XX/XX/XXXX for the amount of {$380.00}. 
3. XXXX XXXX for {$2200.00} the date is unknown but it was reported XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX for the amount of {$1200.00} 5. XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-16 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: GA

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute and bring to your attention a series of violations that have significantly impacted my credit report, as well as to request your assistance in enforcing my legal rights. The violations outlined below pertain to the Fair Credit Reporting Act ( FCRA ) and its corresponding sections. These discrepancies have had a profound effect on my financial well-being, and I implore your intervention to rectify the situation. 

Creditor : XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) [ Include the rest of the creditor details with corresponding violations and sections as mentioned earlier. ] These violations have not only tarnished my creditworthiness but have also wrought havoc on my personal life. I share a deeply personal story to underscore the emotional toll these inaccuracies have taken on me. As a dedicated father, I found myself facing unforeseen financial challenges when I was denied a mortgage loan for our dream home due to my compromised credit report. The emotional distress, the feeling of inadequacy, and the disappointment in my inability to provide a secure living environment for my family have left an indelible mark. 

I appeal to your compassion and expertise to guide me through the process of rectifying these grave errors. I kindly request your intervention in enforcing the removal of these unverified accounts from my credit report. It is my sincere hope that through your assistance, I can regain control of my financial standing and provide a brighter future for my loved ones. 

Thank you for your understanding and anticipated assistance in this matter. I eagerly await your response. 

Sincerely, 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 2023-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I have been working with the Mortgage relief program application XXXX as well as CrossCountry Mortgage and loss mitigation in order to bring our loan current. We were approved for the Mortgage relief program, and I just got off the phone with them XX/XX/23 XXXX PST. They have stated that the issue appears to be that my servicer has given them an incorrect amount that was past due on our loan. The mortgage relief program released {$60000.00} to cross country mortgage but then cross country mortgage returned those funds to the program because a loan modification was completed and they didnt think that I was approved for the program. I was approved and the past due balance of our account is {$16000.00}. Cross country mortgage has closed my loss mitigation file. They need to reopen my loss mitigation file and let the Mortgage relief program know the correct past due balance of {$16000.00} so they can release those funds to bring my loan current and both companies can close out the file. The XX/XX/23 mortgage statement that I included shows that I am still {$16000.00} late on my mortgage. I have called CrossCountry Mortgage several times to have this issue escalated and I have not had a resolution. The XXXX  has also closed out a previous ticket ( complaint # XXXX ) I had regarding this matter because they had promised to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
This is a second complaint about a yet unresolved issue. It is XX/XX/2023, and XXXX weeks ago Venmo froze my account because I erroneously suspected a transaction which I later ( XXXX hrs ) remembered making. They won't unfreeze my account. 

They want a card statement with the last XXXX digits of my bank card associated with the account, but since it's a debit card I only have a bank statement with my bank acct #, not my debit card. 

So they are simply going to keep my {$1100.00}! It has been almost a month. I can't buy my medicine or pay my rent. I've submitted my ID and my bank statements. They won't answer calls or email me back. 

The last time you contacted them, they merely called to request the same info I've been sending and then not responding anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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