vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021 I mailed a letter requesting an investigation of questionable accounts listed on my credit report. I never received any results of an investigation and these unverified accounts are still listed on my credit report after 4 months of me mailing the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I turned this lease on XX/XX/2020. When I turned the lease in there was no payment due and all financials have been resolved when I got into my new lease. When I called GM Financial they told me that everything was all set and I did not owe them any more money. They then reported this as a 30 day late in XX/XX/2020. I don't know if this was due to me turning in the car on the last day of the month. But this was not 30 days late. GM Financial agrees that this was not 30 days late but it still shows on my credit report as a 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: PA

Complaint narrative:
Greetings, I closed on my home on XX/XX/XXXX. My first mortgage payment was scheduled for XX/XX/XXXX. The mortgage company provided coupons to submit my first payment until my servicer was assigned. 

I wrote a check and sent my first mortgage payment on XX/XX/XXXX. The mortgage company cashed my check ( # XXXX ) in the amount of {$1100.00} on XX/XX/XXXX. 

Upon receiving my first statement, I realized that my payment was not on my 1st months statement. Also, they had the wrong address and documents that belonged to someone else in my servicing portal. I sent an email to the mortgage company and servicer with proof of payment ( photo of cashed check ) from my financial institution. I continue making payments each month for XX/XX/XXXX and XX/XX/XXXX. 

I was under the assumption that the matter was settled. On XX/XX/XXXX, I received a phone call from their collection unit stating that my loan was behind 60+ days. They put my loan in forbearance. I received 2 certified letters and 2 regular letter that my loan was in default. I called the company and spoke to two very mean individuals who would not assist me with resolving the matter. I called a third time and was greeted by a very pleasant representative who explained the they were at fault for losing my first mortgage payment and provided me with an email to submit proof of XX/XX/XXXX payment once again. In order to bring my account current I submitted an additional payment on XX/XX/XXXX. As of XX/XX/XXXX, this matter is still under investigation, and not resolved. 

It is not fair that my mortgage company lost a whole months payment and I am being penalized. My next payment is two weeks away and I have to cough up another mortgage payment. I should not be due to pay them until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
My vehicle was totaled with my child and I in it, the airbags didn't deploy, but not once have they asked of my or my daughter 's well being, if it affected my ability to get to work and get paid, just about money $ $ $ and they were given payment by insurance on the XXXX of last month it is now the XXXX of the next month and they have still been calling me on a daily basis twice a day harassing me about payment when they received XXXX, still charging me past due payments? and they are still waiting for stuff from Gap and consistently calling about your responsible for the account and all that jazz which I have explained I can not afford that car note plus another that insurance and gap is handling it. They have been asked to stop while I retain the last of the parent after they told me they would take care of it, which I come to find from one of the harassing calls that they don't do this, but then supposedly sent all documents to GAP? This company and it's product has been nothing but trouble from day one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
This is a follow up of closed complaint # XXXX Company CCI/Contract Callers Inc. is in clear violation of the FDCPA/FCRA/TILA Laws. From there previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth mailed certified on XX/XX/2021, received, and signed for on XX/XX/2021 was ignored. 

The Law States the Following : An affidavit unrebutted stands as Truth. Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert . Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX XXXX I request all information to which I am legally entitled related to this account to be mailed to my registered address as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TX

Complaint narrative:
In late 2020, I had discovered that Equifax had included the personal information of a stranger in my own credit report. The credit report included the stranger 's first and last names, SSN, DOB, and loan history. Since then, I have filed 3 disputes, sent 1 letter, and made several phone calls to Equifax and creditors to resolve the matter ; however, nothing changed regarding the errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: NC

Complaint narrative:
I HAVE NOT GIVEN THIS COMPANY MY PERMISSION TO BRANDISH ANY PERSONAL INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
XXXX XXXX, CALVARY PROFOLIO SERVICE LLC, Has Filed a lawsuit for a " debt '' that I have never Knowingly and intentionally signed for, made harassing phone calls, Garnished wages, and more. 

These sinister acts are in direct violation of my consumer rights pursuant to 15 USC 1692- Congressional Findings precisely pursuant to 15 USC 1692 G- Validation of Debts, 15 USC 1692 J- Furnishing Certain Deceptive Forms, and 15 USC 1681 B- Permissible Purposes Of Consumer Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I was in an approved disaster mortgage forbearance with SLS ( Specialized Loan Servicing ) due to Hurricane Harvey from XXXX. I paid off the entire amount in full prior to the deadline of the forbearance in XXXX. When I checked my three credit reports in XXXX of this year, I noticed that all three were showing that I had been more than 180 days late on that account in XX/XX/2018, which was incorrect as I have never been late at all. Since then, I have called and emailed SLS numerous times, submitted multiple disputes through the credit bureaus, spoken to XXXX  XXXX, and now you all. The past several SLS supervisors have acknowledged their error and told me that they would fix the issue to show " no data '' for that time period, but it never gets fixed. I just received yet another email from XXXX showing that the dispute has not changed anything yet again and it remains status quo. Their incorrect information is affecting my credit score negatively. Please help!

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 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am XXXX XXXX XXXX, around XX/XX/2020. I extended my credit to XXXX  XXXX for the purpose of obtaining a credit card, XXXX  XXXX  has committed fraud with my personal information, I have sent XXXX  XXXX a notarized affidavit of truth as well as a cease & desist. I have certified receipts for each time XXXX  XXXX accepted your documents, yet this company has ignored my legal demands. I AM seeking civil liability, because XXXX XXXX has violated THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FEDERAL PRIVACY ACT.

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 2021-09-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am XXXX XXXX XXXX, around XX/XX/2020. I extended my credit to XXXX  XXXX for the purpose of obtaining a credit card, XXXX  XXXX  has committed fraud with my personal information, I have sent XXXX  XXXX a notarized affidavit of truth as well as a cease & desist. I have certified receipts for each time XXXX  XXXX accepted your documents, yet this company has ignored my legal demands. I AM seeking civil liability, because XXXX XXXX has violated THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FEDERAL PRIVACY ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am XXXX XXXX XXXX, around XX/XX/2020. I extended my credit to XXXX  XXXX for the purpose of obtaining a credit card, XXXX  XXXX  has committed fraud with my personal information, I have sent XXXX  XXXX a notarized affidavit of truth as well as a cease & desist. I have certified receipts for each time XXXX  XXXX accepted your documents, yet this company has ignored my legal demands. I AM seeking civil liability, because XXXX XXXX has violated THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FEDERAL PRIVACY ACT.

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 2021-09-14 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:
Hard Inquires: XXXX  XXXX  XX/XX/XXXX      XXXX  XXXX  XX/XX/XXXX   XXXX  XXXX  XX/XX/XXXX

XXXX  XX/XX/XXXX



Collections: Collection/chargeoff,  Acct #XXXX****  Derogatory /negative account
XXXX XXXXll   Acct #XXXX****  collection/chargeoff   (status) paid, negative account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: NC

Complaint narrative:
I HAVE NOT GIVEN THIS COMPANY MY PERMISSION TO BRANDISH ANY PERSONAL INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

5. Identity XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE BANK USA N Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.

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 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
In the last 2 months, Loan Depot has rejected my mortgage payments. This causes me a major financial crisis as I have to make another payment to Loan Depot over the phone. Both of these payments come out of my XXXX XXXX checking account. This is hard on me as I have to wait for the rejected payment to be put back in my checking account. I have called Loan Depot about 6 times and one customer service rep admitted to me that Loan Depot has done this to other customers. Three times I asked for a manager to call me back to resolve this issue and still have not received a call back. I feel Loan Depot is trying to force a foreclosure on me. For the first 5 months there were no problems with my payments. Starting in XXXX, Loan Depot started rejecting my payments. My bank account has not changed over this time frame. My account with Loan Depot has not changed over this time frame. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX account showing {$0.00} balance but is showing on my report as charged off/unpaid. There is no such thing as a {$0.00} balance. The balance is inaccurate as well as the date of account opened.

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 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. 

I am requesting that the imposed credit limit placed on my American Express Blue Cash Credit Card by AMEX be removed. I have spent the last 16 months with a Credit limit of {$3100.00} placed on my American Express Blue Cash Preferred Card, which originally had a limit of {$16000.00}.

Pursuant to 15 U.S. Code 1692d : " A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. '' Since AMEX has taken it upon themselves to fraudulently lower my available credit limit from {$16000.00} to {$3100.00}, this has significantly lowered my credit score and skyrocketed my revolving credit utilization ratio. It has also made it so I have been unable to acquire credit from other lenders, and my overall mental and financial well-being have really taken a hit. This is a direct form of personal harassment, and slandering of my personal reputation- which I do not take lightly, as a Federally Protected Consumer under Title 15 Chapter 41 of the US codes.

This action was supposedly taken as a result of a suspicious charge on my card, in which the company thought that I was using the card for purposes that were not allowed. The very premise of them " conducting an investigation '' is fraudulent though, per 15 U.S. Code 1681 ( a ) ( e ) : in order to conduct an investigation into this matter, they would have needed to gather " information on a consumers character, general reputation, personal characteristics, or mode of living, obtained through personal interviews with neighbors, friends or associates of the consumer reported on. '' They did nothing of the sort- and contacted no one in their supposed " investigation ''.

I demand that this credit limit be removed immediately, and that I am mailed via invoice {$1000.00} for each of the 2 Federal Laws that AMEX has violated- pursuant to 15 U.S. Code 1692k ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: CO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX account showing {$0.00} balance but is showing on my report as charged off/unpaid. There is no such thing as a {$0.00} balance. The balance is inaccurate as well as the date of account opened.

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