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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Years ago, I took out a loan with SpringLeaf financial ( now known as One Main ) financial and my car was attached to the loan without my knowledge. Springleaf then refinanced my loan and took my car off of the loan. At the time, I owed XXXX... I've been paying $ XXXX for the past few years and my balance is not coming down. I called to see if the payment could be applied to the principal and not the interest and they told me no. 

I recently have been offered a modification to pay $ XXXX and the loan accures interest daily. I need to know how long I will pay on this loan before I pay it off. I think this company has been deceptive in the past and is trying to rush people to get loans by saying everthing is " time-sensative '' sp ... .Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Francy Law Firm, P.C.
State: CO

Complaint narrative:
In XXXX, the banks were in crisis. We had been given a 2nd mortgage by XXXX XXXX XXXX to put a new addition on our home at XXXX XXXX XXXX XXXX XXXX CO XXXX. Back then, the values of the homes were inflated so the loans could be approved. Shortly after obtaining the loan, the banks crashed. We had our primary mortgage with XXXX XXXX XXXX, one of the largest culprits in the scandal. 

We had purchased a new home, and our realtor suggested renting our old property since we could never sell it and pay of the existing mortgages. We had a renter for a year and he lost his job due to the economic decline back then. The payments were not being made. I worked with a realtor for almost a year to attempt to short sale the house. XXXX approved us moving forward with the short sale if we paid them {$3900.00}, which we did in good faith. We had a buyer and were ready to close. Out of nowhere, XXXX XXXX XXXXXXXX put our home into foreclosure, just a day before we thought the short sale would go through. 

The home was foreclosed on, and XXXX XXXX XXXXXXXX did not take any further action on us however the 2nd we had with XXXX XXXX XXXX would not budge. XXXX wrote off the debt and most likely received a huge tax credit and turned us over to Francy Law firm for collections. 

Francy sent us threating notices to sue and if we didn't settle with them, they would take us to court, file a judgement against us and they could ask for ( and win ) 25 % of our income as a monthly payment. l I was scared, working a full time job and didn't know how to fight this. We couldn't afford an attorney. We believed what they were telling us, so we signed a settlement for the debt for a substantially lower payment than the 25 % of my income. 

The loan started out at {>= $1,000,000} and we have since paid {$35000.00} on a home we no longer have. The foreclosure caused my credit to take a hit for a few years. We still owe a balance of {$37000.00} and we are seeking help/advice if there is anything at all we can do? 

We have paid {$35000.00} in good faith to Francy ... our job with XXXX is questionable. They just laid off XXXX employees and we are looking to retire soon. We would really like to get out from under this if possible. 

Thanks for any help you can provide.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from 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 non-monetary relief
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry 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 non-monetary relief
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry 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: 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
For almost 5 years I have been unable to receive my annual free credit report form Experian online, with requests dating back to XX/XX/XXXX and most recently today on XXXX  made via XXXX Most recently the excuse provided by Experian states that " A condition exists that prevents Experian from being able to accept your request at this time. '' In the company 's response to my previous CFPB complaint they did not include any detailed information regarding this barrier to my receiving my credit report, and simply stated that consumers are not guaranteed access to their reports online. If the company continually denies the simple and quick access that an online credit report provides customers, they need to provide customers with detailed information as to why requests for online reports are denied, no boilerplate language that implies we are not owed an online report. 

My experience shows that Experian is continuing to present barriers to consumers accessing their credit reports with the bureau electronically, forcing them instead having to mail or call to request a hard copy of their report. This is a parsimonious and inexplicable barrier to access from company that, as I have mentioned before, maintains its existence by aggregating the personal information of consumers and profiting from that info, with XXXX benefit to the consumers themselves.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Refer to the attached documents. I am formally requesting the bureau to begin an investigation into these accounts, as they erroneously indicate late payments, which is not reflective of my payment history.

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: 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: PA

Complaint narrative:
I submitted a request for Description of the Procedures used for you to come to the conclusion that information I disputed via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You responded On XX/XX/2023. that my dispute was verified. I then sent via CFPB feedback on XX/XX/2023 a request for the Method of Verification used to verify this account though you failed to address the true basis of my dispute which is that my privacy rights are being violated for this account to report without my permission in the first place. 

I submitted another request for Method of Verification re : FCRA 611 ( A ) ( 7 ) / FCRA 611 ( 6 ) ( a ) ( B ) ( ii ) via CFPB XXXX XXXX XXXX XXXX 

In accordance with FCRA 611 ( A ) ( 7 ) and FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) .You failed to provide all the information required as you had 15 days to do so in accordance with FCRA 611 ( A ) ( 7 ) ) and 611 ( a ) ( 6 ) ( B ) ( ii ) and on each occassion you failed to do the right thing. This means you owe me {$1000.00} at this point as you failed to legally respond to my request in the required 15 days.

The basis of my dispute was based upon my privacy rights being violated as this information is reporting on my consumer report without my permission and should not be on my consumer report without my instructions. Remove it and pay me {$1000.00}.

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
First I went onto their website to do an online application. The system stopped me and kept saying to finish the application with a home loan expert by chatting or calling. I chatted with them today and XXXX XXXX walked me through starting a new application. My chat ended with her and then I ran into the same problem of their system telling me to finish the process with a home loan expert. XXXX XXXX told me to contact a XXXX. I did that. I emailed him. But then I recalled an email telling me to contact XXXX XXXX. I did that. I told them, " Good afternoon. The other day when I spoke to you, you said I had a dispute on my account preventing you from processing my application. 

I do not have a dispute on my account and I confirmed that with the credit bureaus. Can you please process my application. '' I took a certified HUD counseling class. I am working with the HUD certified counselor and my action plan says I had nothing stopping me from moving forward with purchasing a home. In my action plan, it tells me to get three preapproval letters from 3 different lenders. Rocket Mortgage is purposely delaying the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
i bought a lap top from XXXX XXXX XX/XX/2022 i used my XXXX credit card to purchase the lap top instead of using citizen pay they are attempting to collect a debt i never accured with them we did attempt to get financed with them than decided to just put it on XXXX credit card we have proof of purchase using my XXXX  credit card

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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Lender submitted hard inquiry... Without request from me..

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: Auto Trakk, LLC
State: FL

Complaint narrative:
XXXX submitted hard inquiry... Without request from me..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: AZ

Complaint narrative:
i bought a lap top from XXXX XXXX XX/XX/2022 i used my XXXX credit card to purchase the lap top instead of using XXXX  XXXX  they are attempting to collect a debt i never accured with them we did attempt to get financed with them than decided to just put it on XXXX credit card we have proof of purchase using my XXXX  credit card

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I submitted a loan application on XXXX for an auto loan for {$25000.00}. The credit union replied with an increased loan amount of {$27000.00} which was great. 

On XXXX I received an email stating that the loan was approved and that NFCU needed additional details. However, the communication did not have reference a date that my loan would be canceled. I called on XXXX  to figure out how to complete the loan and the bank informed me that the loan was cancelled and that I had to submit an additional application. I submitted the second application was pended for further review. 

I spoke with two managers trying to explain that I believe that I was not treated fairly given that the email did not reference the application would be cancelled. 

I do not believe the email notice meets the notice of incomplete requirements and this negatively impacted me as a consumer. 

The loan was never funded so I do not have a loan number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2023 Norstrom send a letter blocking my credit until they confirmed my identity and giving me a phone number to call, please referred for that letter previous complaint, I called the number to confirmed my info and when they ask me about my legal status I XXXX I say I have credit for tax id and a process to get legal resident, they ask me by when and I say around end of the year, they say unfortunately you was approved by mistake after almost 8 months they say because I don't have a social security number, I say I have more than 5 credit cards including store credits and credit by the credit bureau, I just recently find out I have a rights and protection by CFBP because Nordstrom denied and closed my credit card for no legal status in the country .I offered to provided my stated ID, electric bill and my passport and they say its not sufficient because my legal status in the country I don't have social security number, totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I attended cXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX During that time I had XXXX and XXXX loans. Im consolidated them with XXXX XXXX sometime between XXXX. They were bought out by XXXX. From XXXX, I worked for several non profits. Unfortunately I didnt understand the PSLF process until it started getting a lot of press during XXXX XXXX XXXX. In XX/XX/2022 I applied and was approved after the required consolidation into an XXXX plan manage by XXXX. The rest of my loan, around {$3600.00} was forgiven. I made years of payments to XXXX over the required XXXX PSLF. And I made some payments during the pandemic which I wasnt required to. XXXX told me I would get a reimbursement check from the federal government but I havent. XXXX says they have no responsibility. XXXX says XXXX not eligible for reimbursement because i consolidated too late in the process of making XXXX payments. But part of the XXXX waiver program that ended in XX/XX/2022, was that you wouldnt be penalized for consolidating late, you would be eligible for XXXX even though you didnt have the right type of loan when you made your XXXX payments, youd have your balance forgiven if it was under a certain threshold, and youd get reimbursed your overpayments! So Im writing to you to request assistance in obtaining my reimbursement which is approximately XXXX years worth of payments. Thank you in advance for your assistance. I need to know what agency is supposed to reimburse me and assistance in advocating that I receive it. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Direct Cash LLC
State: TX

Complaint narrative:
during my harassment period on XXXX I got a text at XXXX XXXX to make a payment and then I asked them why they were calling me at XXXX XXXX XXXX They said I needed to make a payment are they going to put charges of fraud against me and that was an intending me and scaring me. Then they would not give me the option to change my payment method I have already told them the account was overdraft and they still are trying to take payment out to the account

Company public response: Company believes complaint is the result of an isolated error
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation