vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I heard one main was putting unexpected fees and interest on my past loans. I would like to check into it i have done one main XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
on XX/XX/year>2024 I requested to pre-qualify for credit only. The result of that was that the company said that they needed more information. I later got dinged for a credit inquiry on my XXXX credit report. I was also sent a letter that said the application was incomplete or information could not be verified. The ding was done solely to damage my credit and to waste my valuable time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: IN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2024-03-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have requested that Wells Fargocite the exact Federal law ( s ) Wells Fargo is required to adhereto during the foreclosure process in the state of Texas. 
Wells Fargo has failed to cite all the exact Federal Law ( s ) Wells Fargo is requiredto adhere to during theforeclosureprocess in the State of Texas. 

Here is my request : # 1 Wells Fargo has stated they follow Federal law, including the Fair Debt Collections Practice Act. However, they have not cited any other Federal Law ( s ) they are required to adhere to during the foreclosure process in the State of Texas. Other thanthe Fair Debt Collections Practice Act, pleasecite any other Federal Law ( s ) Wells Fargo is required to adhere to during the foreclosure process in the State of Texas. 

# XXXX If there are no other Federal Law ( s ) Wells Fargo is required to adhere to during the foreclosure process in the XXXX XXXX XXXX XXXXXXXX the Fair Debt Collections Practice Act, please advise.

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 2024-03-23 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: NC

Complaint narrative:
XXXX XXXX  {$43000.00}, XXXX XXXX XXXX XXXX {$20000.00}, XXXX XXXX XXXX XXXX {$5000.00}. 

These accounts are involved in litigation. 

Under the doctrine by ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.

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 2024-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Hunter Warfield attempting to collect a debt. In response, I sent a debt validation request letter, via email and certified mail, which was acknowledge as received by Hunter Warfield. My validation letter it attached to this report. 

To date, Hunter Warfield has not validated the debt. 

However, on XX/XX/XXXX, I received notification that Hunter Warfield had reported the debt to the credit bureau, causing a drop in my credit score of XXXX points. This is illegal as I do not recognize this debt and it was not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I contacted XXXX regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801-protection and non public personal information to report my transaction information. I did not consent for my transactions to be reported. These are the companies that I am filing a dispute on : XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: TX

Complaint narrative:
On XX/XX/2024, I contacted XXXX regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801-protection and non public personal information to report my transaction information. I did not consent for my transactions to be reported. These are the companies that I am filing a dispute on : XXXX, XXXX, MIDLAND CREDIT MANAGEMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I have sent emails, with the documentation from the township showing the tax exemption. 
I have spoke with the the mortgage company several times. 
The township has spoke to them about this, and I am still being charge the taxes in my monthly payment. It is ridiculous. Of course I am going to pay because i dont want my house to go into foreclosure. 

XX/XX/XXXX purchased home XX/XX/XXXX tax exemption given from township and mortgage company approved XX/XX/XXXX taxes put back into my payment XXXX XXXX resent the documents to the company XXXX XXXX asked for another anaylsis XXXX XXXX my payment went up another {$800.00} Now in XXXX it has increased further. 

I have sent the tax bills that show the credit and they townships has spoke with the Mr. Cooper ( mortgage company ) they are still charging the tax in our escrow. No one can tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: PA

Complaint narrative:
In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( 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 late payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This item appeared on my credit report. I was never notified of this, I have no contract with this company. I am requesting copies of all transactions and verification of said account. Also, I demand a copy of the certified return receipt from the USPS with my name, address, and proof of signature. I also am requesting all proof of this company 's licensing and bonding information. I also require a copy of the original purchase agreement between them, and whoever they bought it from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Madison Auto, LLC
State: TN

Complaint narrative:
XX/XX/year> dealership XXXX XXXX XXXX ran my credit with several banks that denied myself and my husband. I want it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: DISCOVER BANK
State: FL

Complaint narrative:
Upon reviewing my consumer report after previously disputed Discoverbank has not corrected the information on my consumer report.Discoverbank has violated many fair reporting acts.Information is still inaccutare and not completed according to 15 U.S code 1681s ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also according ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

As well in 15 U.S code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I the consumer Never received any statement to my mailing address! If creditor believes statement was sent to my resident may creditor show me a certified receipt showing I the consumer sign and received this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX placed a collection account on my record ( XXXX XXXX, XXXX and XXXX ) for an amount of {$310.00} as a debt buyer. I happened to view my credit report and noticed this debt. I was never contacted by phone or letter about this debt prior to it being reported. I have lived at the same address and have had the same phone number for the last 7 years. I recently moved but I updated my current address with the credit bureaus as well as forwarded my mail. I feel the company could have contacted me and validated the debt. I did not know what it was for. Until recently I was made aware through viewing my credit report, they updated the collection to add California Check Cashing. I disputed the collection with all three bureaus requesting a validation of debt and all came back as verified as accurate. I disputed this debt on XX/XX/XXXX with no response and on XX/XX/XXXX and it came back as validated. I have never heard of this company and to my knowledge I thought California Check Cashing was paid in full. I never once received a phone call or letter in the mail regarding an outstanding bill. How can they place something on my credit and damage my good credit history without contacting me and giving me a chance to verify the debt and to pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
Credit Corp Solutions Under the doctrine by ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime and/or the banks that manage Chime banking has removed any ability to see account balances after transactions from their mobile app, online website, and monthly statements. The only balance you can see is the current balance. Additionally, you can not see what you have used for Spot Me. They used to send emails letting consumers know what their Spot Me amount was so that they would know how much was being deducted from their direct deposits, but they have recently stopped sending those emails. Now you do not know what you Spot Me is if you are not watching your account closely right before your deposit. The balance after each transaction used to be reflected under the transaction on the mobile app ; this has also been removed. Thereby making it impossible to see your balances through out the month and after each transaction. 

I have called and complained and was told by the representative that features may have been removed during updates. Removing the ability to see your balance is unacceptable and should be illegal for banking institutions to do. It definitely suspicious and unfair to the consumer because it makes it very difficult for us to effectively balance our accounts at the end of the month. It also make it extremely difficult for us to make sure that our funds are being distributed correctly. 

Lastly, to summarize, the only thing you can see on any Chime accounts are the actual transactions there is no way to see the balances after each transaction - This is very suspicious and should be illegal. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
The vehicle time and chain went out, which costs XXXX to fix which was more than the vehicle was worth l, I took it to a shop and because I didnt have the money to fix the repairs or the money to move the vehicle from the lot, the lot repossessed it and the car company allowed them to do so and now they are trying to make me responsible for the bill, then its still in my name somehow while its sold to someone else and that person had an accident in the vehicle and theyre trying to charge me for damages and this is stopping me from getting financing through a different 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 2024-03-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2024, I contacted XXXX regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801-protection and non public personal information to report my transaction information. I did not consent for my transactions to be reported. These are the companies that I am filing a dispute on : XXXX, CITI/CBNA, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Hunter Warfield attempting to collect a debt. In response, I sent a debt validation request letter, via email and certified mail, which was acknowledge as received by Hunter Warfield. My validation letter it attached to this report. 

To date, Hunter Warfield has not validated the debt. 

However, on XX/XX/XXXX, I received notification that Hunter Warfield had reported the debt to the credit bureau, causing a drop in my credit score of XXXX points. This is illegal as I do not recognize this debt and it was not validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Pressure to purchase more service and repeated phone calls on payment that are not late, paperwork is added for services. Application in progress that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: IL

Complaint narrative:
I have attempted to dispute this twice with XXXX, both times came back stating they verified that it was accurate with the collection agency ( Prince Parker and Associates, on behalf of XXXX XXXX XXXX XXXX ). I have never held an XXXX XXXX XXXX XXXX account in my life. I attempted to contact Prince Parker and Associates and was told that with the info provided they could not locate any accounts associated with me they were collecting on. They then wanted me to provide me social security number to an overseas call center employee and I was not comfortable providing this. They have made no attempts to contact me to collect on this. The only way I found out about this was a notice from XXXX that I had an account in collections on XXXX ( this does not show with other reporting agencies ). I do not believe this debt belongs to me. I have not been able to verify this debt with collection agency and no one has provided as accompanying evidence to backup the claims that this debt belongs to 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