vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Applied for and received loan XX/XX/XXXX. Amount of XXXX $ They stated they were taking upwards of XXXX $ out of loan to register and pay any late fees associated with registration. 
i was informed that I will receive registration in mail within 2 weeks. 
2 weeks after I receive loan my car was impounded for lack of registration. 
It took 3 days for me to get a hold of someone at the XXXX XXXX- and I had to inform them that the registration wasnt valid. 
Without my knowledge they taken my car out of the impound around XXXX XXXX XXXX  and dont inform me until XX/XX/XXXX. 
I am fired from my job because my manager, XXXX XXXX, doesnt believe what I am telling him about my cars situation, because its simply the worst luck hes every hear someone having. XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX  releases my vehicle to me stating that they Are adding the impound, tow, and repossession fees to my loan. ( My first payment hadnt been due yet ). Not until XX/XX/XXXX. They will tel you that its XX/XX/XXXX, but since car was impounded- they decided to unconditionally waive the first month. 
My vehicle was repossessed XXXX XXXX. During the covid lockdown period. When I asked them why a non-essential business was doing things like this, they told me to get a job. 
I was evicted from my apartment 2 weeks before and had been living in my car. 
No one from 800loanmart called me. It took me 2 weeks to find my car. Which is now up for auction. 
I am homeless, no job and I cant get a job because they are closing gyms again. And I have no car. Please help me. This company has destroyed my life. Please help me. They didnt follow their first responsibility when obtaining my Title. This is wrong. I dont know what to do, and I lost all my medicine- I am a severe XXXX and have died from XXXX attaks before. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I applied online for a personal loan on XX/XX/XXXX. Since then, I have been unsuccessful with obtaining a status on a decision for the loan. I do know that a TD Bank performed a hard credit inquiry as I have a credit monitoring service ( attached PDF ). 

I've only received an email ( attached PDF ) with instructions on how to obtain loan status. As of this date ( XX/XX/XXXX ), the status is unchanged - no decision - stating a rep will call me ( attached PDF - note date of status vs. date on computer bottom right ). 

I've also called TD Bank and the representative was extremely unhelpful, knew nothing and told me to just wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX made a mistake in sending me 2 ( two ) refunds for my credit card. The amount on the billing reported via telephone was XXXX but in fact {$270.00}. A copyof the second check was sent to my office for varificvacition 5 months later. Durning this time period it was reported to Experian as late payment which significantly brought down my credit rating and had massive financial loss due to bad credit. All other credit reporting agencies were good. 
XXXX admitted the mistake and informed Experian To daet here is no change or correction to my low incorrect credit score. Legal action against Experian and XXXX will follow shortly after my administrative channels have been exhausted.

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 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have tried to use my card several times in XXXX XXXX ny, while staying with my daughter during the pandembic, ilive in XXXX, each time I used the card I was turned downed. I called the bank they tried to help but did very little for me I called the # on the back of the card they weren't any better. often they refused to help me.the security dept refused to help me as well .I pay my bill on time I also pay more than required.i need helpthe security dept never ask me important questions, they just say they cant help me well then who can help me also the security dept gave me another # to call they toorefused to help me. this has been going on for well over 2 months.i don't have the dates because many times my daughter ended up using her card, i never wrote the datesthat iused the card down on paper. I was so upset that I just thought it was a minor mistake on my part, but thisproblem started after XX/XX/XXXX and no has helped me I feel like they think iam not the card holder please help iam so embarrassed in front of all my family

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: CA

Complaint narrative:
I checked my credit report last XXXX XXXX since I received a letter from one of my creditors that they are lowering my credit limit due to a negative report of my credit. I found out that a credit card issued by XXXX XXXX XXXX was opened last XX/XX/XXXX without my knowledge and authorization with a credit limit of {$5000.00} and unpaid balance of {$4900.00} and still ongoing as of todate..Per credit report account was closed by XXXX on XX/XX/XXXX.I disputed the account last XXXX XXXX. Per XXXX report to Experian the account was accurate.However I never applied nor authorized anybody to open an account with XXXX. I do not have or have had any account with XXXX.I went to XXXX Police Department and file a complaint of Identity theft with Police Report file no.XXXX.I have also filed to Federal Trade Commission Identity Theft Report with FTC Report No . XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
THis morning I tried to link my account for a state funded grant and PNC stated their was an issue at the bank and they could not link my account at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: GA

Complaint narrative:
SOMEONE USE MY IDENTITY AND OPEN SEVERAL ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE THESE ACCOUNTS WAS OPEN BY THE THIEF THAT USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENTI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-07-08 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: FL

Complaint narrative:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020I received a copy of my credit history report from Transunion.That Report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XX/XX/XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX 2. XXXX XXXX XXXX XXXX XXXX, Fl 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 2020-07-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
In XXXX of XXXX, the XXXX Toyota XXXX that was leased was in an accident. The car was totaled by the insurance company then the balance of {$2000.00} was written/paid off. Since this was an accident and Toyota dealt with the insurance company for a final resolution, there was no information reported to the credit agencies in XXXX, XXXX, XXXX, XXXX or XXXX of XXXX. Once resolved, I received a balance and submitted the final payment of {$490.00} on XX/XX/XXXX. I leased 4 cars, all for 3 years from Toyota and was never late on any payments. After having the remaining balance removed from my report, I reviewed it this morning and I was surprised to see that I missed a payment which is false and the account is listed as " derogatory ''. I have had this issue in the past with Toyota, they lack integrity and have questionable business practices which is why I will no longer conduct business with them. I appreciate any help your organization may be able to provide, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: FL

Complaint narrative:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020 I received a copy of my credit history report from Experian. That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX 2. XXXX XXXX XXXX XXXX, Fl 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 2020-07-08 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC made a mistake in sending me 2 ( two ) refunds for my credit card. The amount on the billing reported via telephone was 0 but in fact {$270.00}. A copyof the second check was sent to my office for varificvacition 5 months later. Durning this time period it was reported to XXXX as late payment which significantly brought down my credit rating and had massive financial loss due to bad credit. All other credit reporting agencies were good. 
HSBC admitted the mistake and informed XXXX To daet here is no change or correction to my low incorrect credit score. Legal action against XXXX and HSBS will follow shortly after my administrative channels have been exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
SOMEONE USE MY IDENTITY AND OPEN SEVERAL ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE THESE ACCOUNTS WAS OPEN BY THE THIEF THAT USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENTI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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:
SOMEONE USE MY IDENTITY AND OPEN SEVERAL ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE THESE ACCOUNTS WAS OPEN BY THE THIEF THAT USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENTI am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020 I received a copy of my credit history report from Equifax. That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with Better Business Bureau, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: GA

Complaint narrative:
I HAVE MANY INQUIRES ANS APPLICATIONS ON MY CREDIT PROFILE THAT I DID NOT AUTHORIZE OR GIVE ANY ONE CONSENT TO USE MY SOCIAL SECURITY NUMBER THESE INQUIRES ARE FRAUDULENT ON MY CREDIT PROFILE

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 2020-07-08 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: OH

Complaint narrative:
contacted the credit equifax transunion and experian to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please

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 2020-07-08 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:
I HAVE MANY INQUIRES ANS APPLICATIONS ON MY CREDIT PROFILE THAT I DID NOT AUTHORIZE OR GIVE ANY ONE CONSENT TO USE MY SOCIAL SECURITY NUMBER THESE INQUIRES ARE FRAUDULENT ON MY CREDIT PROFILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE MANY INQUIRES ANS APPLICATIONS ON MY CREDIT PROFILE THAT I DID NOT AUTHORIZE OR GIVE ANY ONE CONSENT TO USE MY SOCIAL SECURITY NUMBER THESE INQUIRES ARE FRAUDULENT ON MY CREDIT PROFILE

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 2020-07-08 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: FL

Complaint narrative:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XXXX/XXXX/2020 I received a copy of my credit history report from Transunion.That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX 2. XXXX XXXX XXXX XXXX  XXXX, Fl 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