vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Attached you will find previously sent documents.

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 2023-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I leased a new XXXX XXXX XXXX in XXXX, XXXX through Chase Leasing. Near the end of the lease I decided to purchase the car and enter into a loan with Chase Auto Finance. The vehicle was sold on XX/XX/XXXX for {$47000.00}. The sales tax was capitalized into the loan and totaled {$290000.00}. The bill of sale was for vehicle {$50000.00}, which is the sum of the purchase price for the vehicle and the sales tax in Connecticut. I received the documentation necessary to re-register the vehicle in CT on or about XX/XX/XXXX. Included in the documentation was a check to the State of Connecticut for {$90.00}, representing the cost for the vehicle registration. They did not include the CT sales tax in that check which was dated XX/XX/XXXX. I have been calling every week since and Chase has yet to send a check for the sales tax which has been capitalized into the lease and I am paying principal and interest on. Meanwhile, my vehicle registration expired on or about XX/XX/XXXX and I am driving on an expired registration which makes me very nervous. I can not re-register the car until I have a check from Chase for the sales tax. I won't bother you with the endless and time consuming calls I have made to Chase, but I do want you to take this up as they have capitalized the sales tax into the loan and are not paying that amount to the State of Connecticut by check. They are forcing me to pay it TWICE to register my vehicle. WHICH I WON'T DO!! This massively inflates the return to Chase for this loan!!!!! This is a rapacious lending scheme!!! Imagine inflating the value of a loan over the value of the asset by adding sales tax and then not paying out the sales tax. This is CRIMINAL!! Moreover, if I get pulled over for a traffic violation, I will not be able to explain the lack of a current vehicle registration which Chase is SOLELY responsible for by not sending me a check, payable to the State of Connecticut, for {$290000.00}. I've attached relevant documents which show the sales price of the vehicle and the sales tax. I have also included the check for {$90.00} for the registration fee. During my frequent calls with Chase, they defend themselves by saying the {$90.00} is for sales tax. The Disbursement Request Detail ( which I have uploaded ) clearly shows that the are DMV fees. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant to 15 USC 1602 [ a ] that your Company never that your company never provided adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 [ k ] the terms adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation un 15 USC 1602 [ k ].

Further pursuant to 15 USC 1601 [ a ] consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end I have not benefited from this transaction which again is a violation of 15 USC 1602 [ p ].

According to 15 USC 1602 [ p ] The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below mentioned things : DELET THESE ACCOUNTS AND VALIDATE THE DEBT 15 USC 1602G [ 4 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX now ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, I will not escalate this matter to the Federal Court. in case, you dont accept the above request a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Since XXXX XXXX XXXX. 

ALL RIGHTS RESERVED WITHOUT PREJUDICE UCC1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: KS

Complaint narrative:
On XX/XX/2023 we changed our home insurance from XXXX to XXXX. When we changed, I provided XXXX  with information regarding our loan to get the payment handled since it is all through the loan. There was some sort of miscommunication between XXXX and Freedom Mortgage, so our insurance was not paid immediately. This resulted in Freedom Mortgage thinking we didnt have insurance and signing us up for one even though we were signed up for XXXX. In XXXX 2023 I was called in resolve the issue. I was told by a representative from Freedom Mortgage that it is all handled now. In XXXX 2023 our mortgage went up again. The insurance we were signed up for by freedom mortgage had not been canceled/we had not received a refund for the insurance. Since then I have been trying to get the name of the insurance from them so I can make an effort to cancel it and have not been given anything. We are paying for two home insurances, one which they wrongfully signed us up for due to a miscommunication and are now withholding information from us, even though we have asked, and claimed that they sent a letter to us in XXXX that we do not have. Now they are refusing to provide us with any information and sold our loan to another company.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
On XX/XX/09 I spoke with XXXX at XXXX XXXX and advised her I'm having an hardship and will be out of work long term with no income. XXXX didn't offer any options or empathy. In a very condescending tone she advised she had nothing to do with me being out of work, that has nothing to do with her. I should not have borrowed the money from them in the first place and I need to borrow the money and I better have the money by the XXXX or else. I advised I was recording her she said what is that going to do she don't care and she hung up in my face. I was distraught so I proceeded to call my daughter in law. My daughter in law called and spoke to XXXX asked questions about the loan and asked what options do their company offer to help consumers that lost their jobs? XXXX advised a XXXX month extension. My daughter in XXXX advised my situation will last longer and asked what are the next steps? XXXX advised her assets will be picked up and if she didn't give it to them she is going to jail. My daughter in law advised XXXX she can not say that, that is unfair debt collection XXXX then advised she spoke to the judge and XXXX XXXX said she going to jail as well. My daughter in law advised her company is practicing unfair debt collection she started laughing and hung up we tried calling back and was constantly being hung up on, So my daughter in law called a XXXX XXXX  in XXXX XXXX advised what happened they advised a district manager would return my call, no one has called. The Fair Debt Collection Practices Act ( FDCPA ) makes it illegal for debt XXXX to use abusive, unfair, or deceptive practices when they collect debts. XXXX is definitely in violation and I have a witness that heard every word she said.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXK XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/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 2023-11-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
This is showing negative on my credit, and it should not be. Account paid on time, and it has been paid in full. Also, in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15UC1681 section 602 that states I have the right to privacy ; 15UC1681 Sec 604 A Sec 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose. Can you please have this negative reporting removed from all 3 credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My only name is XXXX XXXX My only address is XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX Please delete all other addresses and names for privacy and accuracy. 

Please delete all employers. They are no longer valid nor accurate.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Unknown inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC
State: TX

Complaint narrative:
Unknown inquiries on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX  XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$2400.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$8600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I obtaind a copy of my credit report from Experian, XXXX and XXXX and noticed several unauthorized inquiries. The inquiries were NOT authorized by me and I have demanded to have the inquiries removed or provided proof that I authorized my credit to be pulled by the companies. 

I was never provided proof/documents showing where I authorized the inquiries.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I've been trying to get my life back on track after being laid off from work due to my company closing after covid. This lay off hit me hard because I was also dealing with health issue, was in and out of the hospital, and was not able to get right back to work. I would like to get myself back on track so that I can move forward in life with my health and my credit score. And I know that these negative reporting are not helping and are a defamation of my character. 

In accordance with the Fair Credit and Reporting Act my creditors are violating my rights under 15 USC 1681A ( section 604 A Section 2 ) which states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B- a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted Transunion for the past 5 months in regards to fraudulent accounts listed on my credit report each time i send in the requested information for my dispute they close it without verifying or reviewing any of the information. I know they are not investigating my report as per the law because i sent the same information to XXXX and XXXX and after their investigation the information was promptly removed. The FCRA requires all information listed on a credit report to be verified before reporting the information and Transunion is not doing that. I Disputed the information on XX/XX/23 and the investigation was closed and cancelled by Transunion the same day the confirmation number for the dispute is XXXX. I also did a dispute prior to that on XX/XX/23 and again nothing was done confirmation number is XXXX. If this is not resolved i will be proceeding with ligation.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XXXX, I opened up a OneMain Financial XXXX credit card. 

On XXXX {$89.00} was withdrawn from my bank account via wire transfer from XXXX XXXX. Automatically, I thought of " BrightWay  '', whom I have my credit card with. I called them, and they declined " knowing anything about this transaction '', but admitted that they are partnered with them. I never gave my account bank to XXXX XXXX ; I only gave it to BrightWay. I contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ), and when I asked about how they got my account details to steal this {$89.00} from me ( that BrightWay  likely gave it to them without my permission ), they simply responded with : " Thank you for contacting Bright. Please be informed that we see your account information is already deleted from our database. ". I have attached a screenshot for reference of our email correspondence. Everything seems very shady with vague replies. 

I owe BrightWay  {$540.00}, but they claimed on my credit report that I owe them {$640.00} because their unfair " interest charges '' and " late fees '', because I'm unable to make any minimum payments due to me having to report the fraudulent charge of {$89.00} and freeze my bank account. I had to open a new bank account elsewhere and switch my financial information with all of my bills, and it was a very frustrating process. I called BrightWay  to make a payment by debit card, because I explained I am afraid to ever give them anymore bank account or routing numbers because they shared it with XXXX XXXX ( their secret partner ). Because they refuse to give me any other option to pay other than account/routing number, they keep accruing me unlawful " interest rates '', " late payment fees '', and also hit my credit score TWICE with delinquencies on XXXXXXXX  XXXX XXXX 

I am stuck without any way to resolve this issue. Please, I ask that BrightWay  's already-charged annual fee of {$60.00} be waived along with their unlawful interest fees and late payment fees ( I could not make any payments because they shared my account bank information with their thief partner ), so that the total I owe BrightWay  is {$480.00}, and I would like to make monthly payments to them through a 3rd party, so that they would not steal my information anymore. I do not trust them at all, and whenever I called them, I was always speaking to the same person, so it leads me to believe that this is a very small company ( if not operated by one person/scammer ). 

Thank you for your help, and I hope we can also remove the unlawful delinquencies on my credit score because of their scamming and fraudulent practices. If there is a way I can be waived everything I owe them because of my exhausting stress, that would be even better. I look forward to hearing from you at your earliest convenience.

Company response to consumer: Closed with explanation