vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: IL

Complaint narrative:
Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
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.

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 non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Momnt Technologies, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I contracted XXXX XXXX XXXX XXXXXXXX to remodel my shower. Registered agent named XXXX XXXX. They never came to do the remodel. I tried multiple attempts to resolve the issue with them directly to no avail. They ignored my lawyer and my attempt to serve court papers was returned nonest. I reached out to the loan company that XXXX XXXX partnered with, which is Momnt. They told me they would investigate the issue. I submitted my first ticket with them about this issue on XX/XX/XXXX. They made me believe I could trust them and that they would handle it. I have called multiple times about an update and each time they tell me it is under investigation. Now suddenly the loan is appearing on my credit report, suspiciously around the time my 0 % APR is ending. I called on XX/XX/XXXX, and they said it should still be suspended and they have not fixed it. I sent a follow up email on XX/XX/XXXX, and they told me to dispute with the credit bureaus. I never received a result of the investigation. This leads me to believe they had no intention of investigating this matter. There are several cases just like mine all over their XXXX XXXX XXXX  page and I believe the loan company knew that XXXX XXXX  was not delivering services and continued to approve loans. I do not have the money to pay for something I never received. 
I have reviewed Momnt 's website that relates to merchant agreements and XXXX XXXX XXXX XXXXXXXX and XXXX XXXX have violated these terms. It seems that Momnt has a reserve account for matters like this. They also have a clause about the merchant violating the Federal Trade Commissions Holder Rule ( 16.CF.R. Part 433 ) ), which XXXX XXXX has violated. The FTC 's stance aims to protect consumers from situations where they are left liable for payments despite not receiving the promised goods or services as intended. This rule is often related to this concept, where a third-party lender might try to claim they are not responsible for issues between the seller and the buyer, even if the consumer has legitimate complaints about the product. The FTC considers practices like this to be " unfair and deceptive '' under Section 5 of the Federal Trade Commission Act, allowing them to take action against companies engaging in such behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I feel behind in my payments two months, I went into an agreement with them to pay more money towards the two payments plus my car payment. I have been paying them XXXX for a while now and the payment hasnt change. I asked them to send me a copy of the agreement and they didnt have it. I asked them how is this helping me, when the amount is still the same and not going down. Please I need 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my disappointment regarding these accounts reporting negatively on my credit report. I believe they were not reported with maximum accuracy and it's affecting me and my XXXX XXXX. I need you to fix this problem right away because my scores are also being affected.

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 2024-09-30 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

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.

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 explanation
Consumer complaint received 2024-09-30 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: CO

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-09-30 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: NY

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
Beyond Finance, should be prosecuted for financial misrepresentation. They contacted me with an offerto consolidate all ofmy card debt and repay them at a lower rate. I solicited the method for this service. They offered to have Beyond Financereceive my monthly payments and after I missed paying for a few months they would approach the debtor and offer to settle the debtin distress ; clearly it was a scam on the debtors and myself and refused to sign any client agreement. A few weeks later my cards and accounts were being canceled for non-payment as Beyond Financehad contacted them and told them that they were representing me and would take over payments.I explained to the debtors that I could reach the scope and malice of their skeem. I did not reach everyone. I would appreciate it if you post this explanation on my record and welcome any fiscal agency to contact me if I can be ofassistance. 
I appreciate your help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and 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 non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: VIN Title LLC d/b/a Discount Title Loan
State: TX

Complaint narrative:
I called the company on XXXX the XXXX to advise that I would be making the payment due on XX/XX/XXXX for {$490.00} on XX/XX/XXXX. I was then told that on XX/XX/XXXX I would have to pay {$860.00}. When I asked for an itemization of the charges the company refused to send it to me. I asked for this multiple times and never received anything from them. I communicated with them through text message and repeatedly asked for the itemization and they still didn't send it I proceeded to tell them that they were asking for almost the payment and I wanted to know why before paying the excessive amount. This morning my vehicle was repossessed and when I called they said that if I had paid on the XXXX my payment would have been {$590.00}. So I asked why I was told {$860.00} and there was no explanation. I told her I have the phone call recorded where I was given incorrect information and she said it doesn't matter you now need to pay the entire amount of the loan to get your vehicle back which is {$2200.00}. They refused to to XXXX cash or work out any type of arrangement stating that they had been trying to communicate with me and were unsuccessful which is total XXXX. I have text messages and a recorded phone call to prove that I had some form of communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My interest rate for my XXXX  is incorrect. The rate being used is XXXX XXXX XXXX  Consumer Cash Fallback 1 Year. The correct rate that should be used is the Secured Overnight Financing Rate ( SOFR ) which replaced the XXXX. Please correct this error. I hope this error is not on other mortgages because my rate has increased to 8 % when rates should be oriented downwards. Thank you.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Most likely, this was Identity Theft after an insurance data leak. 
My credit score is badly influenced and is impacting my life. 
Utility Account Opened by the Thief Company or Organization : TRANSWORLD SYSTEM INC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, my Citi bank account was emptied out by fraud and i opened a dispute claim with the bank and they denied my claim saying that our review, which determined the disputed transactions were not fraudulent and you benefited from the transactions. I think this is a discrimination against Armenians because they already got sued for that, I am attaching the denied letter and all the transactions that were done by 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 2024-09-30 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: Avant Holding Company, Inc.
State: VA

Complaint narrative:
Avant LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear Avant LLC, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by Avant LLC complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe
State: IL

Complaint narrative:
I am repeatedly receiving phone calls from this company regarding an alleged collection account. I have never done business with this company and have never shared my personal identifying information with this company. Obtaining and using my personal identifying information without my express written permission is a form of identity theft. Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - a person commits identity theft when he or she knowingly : uses any personal identifying information or personal identification document of another for the purpose of gaining access to any record of the actions taken, communications made or received, or activities or transactions of that person, without the prior express permission of that person. 

Moreover, because I have already asked this company to stop contacting me at this phone number and they continue to do so, they are in violation of FDCPA.

Company response to consumer: Closed with non-monetary relief