vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
I found myself in need of a car in XXXX of XXXX, I stated plainly to my dealership that I wanted to pay as little as possible for the vehicle as I did n't drive very much and that I didn't want any extras on the contract as I was capable of locating my own service. At this time I have been paying for the car for a year and have encountered numerous difficulties and frustrations while interacting with Americas Car Mart. While attempting re-finance today ; looking at the contracts which I was pressured to sign quickly because they were extremely short-staffed that day ( they remain short staffed as of 1 year later ), I see that I am enrolled for MANY extras including a service contract. 

Additionally, When I am behind by just 1 day ( payments expected each pay day, bi-weekly ) they begin to call me three times a day on my personal number. I recorded upwards of 35 instances of this. If you do not answer the phone they employ mob-like intimidation tactics including coming to your home to ask when you can pay. I have intentionally skipped a couple of payments to see how far their tactics will go and they began calling numbers provided as references during purchase process. They are doing exactly the same kind of business as XXXX was, taking advantage of disadvantaged and poorly educated buyers through the creation of false-stress. 

Further, I've been told by multiple re-finance companies that they can't help me with Americas Car-Mart specifically because they take steps to intentionally complicate the refi process. 

Buying a car does not have to be like this. It should not be like this. Car Mart is Not Consumer Friendly and I believe that they are breaking several consumer protection regulations. 

They're also manipulating XXXX review results. They solicit five stars for your agent and run that as a contest so your agent gets a small bonus. I uploaded a picture of how many calls I had received in a weeks time from carmart as part of a follow up review and the image has been removed from public view. thankfully it can still sort of be seen in my screenshot of the review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: MI

Complaint narrative:
I recently checked my credit and notice that there are multiple fraudulent items on my credit report that I did not authorize. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681C-2 ) that you Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Personal unsecured loan opened at XXXX on XX/XX/XXXX. This account have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account or hard inquires as reported. The aforementioned account, collections and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud. 

Hard Inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, a charge was made from my account through Capital for {$550.00} and paid to XXXX XXXX of {$550.00}. I don't know this person and didn't make this purchase. When I speak to Capital One they inform me there is no way to speak to XXXX the platform where the money was spent. I have removed XXXX friom my account. Capital One 's website, it states " {$0.00} liability for unauthorized charges. '' Let me be as clear as possible this charge has no validity and is unauthorized. Capital One has given me a claim number of XXXX and state due to login history the claim was denied. Instead, Capital One sent me a list of common scams types on XX/XX/XXXX and on XX/XX/XXXX that a new device signed in to my account on XX/XX/XXXX. However, the real scam is having a company simply take out money from your account and there is no receipt for the charge provided and no information to validate the charge. Not being able to even reach the company that removed money from your account is unacceptable. When I look up who XXXX XXXX is online, it says that he sells life insurance. I haven't purchased life insurance. If instead XXXX or Capital One believes the charge is for sending money to a friend or family member, please show any connection to this person, as the person isn't known to me. Considering XXXX is connected with nearly every bank in the United States, it sets a precedent for charges with no accountability. I want the money returned to my account and the results published, so other consumers can be protected. Thank you in advance for your help and all you do to keep consumers safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is my sworn personal statement that the below listed addresses, I never lived at these locations. Also, there is personal information that needs to be updated/made complete immediately. Pursuant to 15 USC 16813 ( b ), my personal information must be updated to reflect accurate information. ADD NAME : XXXX XXXX XXXX. DELETE NAME : XXXX XXXX. DELETE FORMER ADDRESSES LISTED INCLUDING : XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX. ADD CORRECT CURRENT ADDRESS : XXXX XXXX XXXXXX/XX/XXXX. ADD CURRENT EMPLOYER XX/XX/XXXX Please see attached Identity Theft 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 explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is my sworn personal statement that the below listed addresses, I never lived at these locations. Also, there is personal information that needs to be updated/made complete immediately. Pursuant to 15 USC 16813 ( b ), my personal information must be updated to reflect accurate information. ADD NAME : XXXX XXXX XXXX. DELETE NAME : XXXX XXXX. DELETE FORMER ADDRESSES LISTED INCLUDING : XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX. ADD CORRECT CURRENT ADDRESS : XXXX XXXX XXXX XX/XX/XXXXXXXX. ADD CURRENT EMPLOYER : XX/XX/XXXX Please see attached Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused sXX/XX/XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-07-15 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: MOHELA
State: AZ

Complaint narrative:
On XX/XX/XXXX,, 2024, I had made my first payment to repay my loan. The payment was {$300.00} and I made the payment through the Mohela studentaid.gov website, as I was advised to. I had seen that my debit card had been charged for the {$300.00} but it didn't show that I made the payment on their website under the account history section. It has been 3 months since I have been having this issue and it has yet been resolved. I've called numerous times and yet still no solution. The time that I reached out to Mohela to let them know about the issue they did open an investigation to look into the problem. Every time I've called they said that the investigation was still open and I'd have to wait XXXX business days. This whole situation is just very frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
My mother, XXXX XXXX. XXXX, is an XXXX XXXX XXXX widow with XXXX XXXX XXXXXXXX. I am her power of attorney and manage her finances and pay her bills. XXXX is still capable of take care of herself, going to her doctor 's appointments and taking care of her home. However, my mother submitted a dispute of charges to her Sam 's Club 's Synchrony Bank which provides private label store cards for retailers. Synchrony has never conducted an investigation on her behalf and has verbally called and threaten to take her to court to sue her over fraudulent claims. We have written them and provided documentation that my mother has never not paid her bills and that Synchrony Bank never acknowledged her claims or request to investigate the fraudulent charges on her card. The threats and letters should stop and a thorough investigation should have been started with documentation back to us so that we can see what happened. I have noted this in my correspondence to Synchrony Bank but they have refused to even acknowledge my 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 2024-07-15 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have disputed these fraudulent and unauthorized inquiries before and was removed from my credit report yet upon checking recently, it re-appeared. I do not recognize these inquiries, I already spent enough precious time it is so frustrating and exhausting.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RE : XX/XX/XXXXBLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a XX/XX/XXXX The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XX/XX/XXXX XXXX XX/XX/XXXXIncorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXXXX/XX/XXXXXXXX XXXX XXXX - XXXXXX/XX/XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XX/XX/XXXXDOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XX/XX/XXXXPART XXXX [ DOCKET NO. XXXX ] XX/XX/XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION 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 explanation
Consumer complaint received 2024-07-15 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: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
Lockhart & Morris & Montgomery CRST XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$1200.00} I tried to dispute this account with all three credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: OH

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX  - XX/XX/year> 2. XXXX XXXX - XX/XX/year> 3. XXXX XXXX  - XX/XX/year> 4. XXXX XXXX  - XX/XX/year> 5. XXXX XXXX  - XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, IL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION 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 2024-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I received a title loan in the fall of XXXX from One Main Financial. The company used high pressure sales tactics to enforce add ons and while I understand that I should. ha ve ran the other way on not gone down the path of getting a loan with these crooks, I was in a bad spot only to learn that it could get much worse. I lost my job in XXXX XXXX XXXX  and was actually making payments greater than the actual loan amount prior to this happening. 

I could barely make rent at this time and while I understand the loan went into default, basic survival was what I was focused on. I no longer have access to any of the loan details, requested the information via email which they have de need me do to " Security '' purposes. In the end, they used high pressure additions, consistently offered loans to refinance and now refuse to do any communication with me accept over the phone which will lead me right back into a rabbit hole of high pressure enforcement on this debt. 

I have no clue why companies such as One Main or any lender can get away with charging astronomical interest fees praying on the people whom do not have the means to pay the loans in the first place. The loan is essentially a {$8000.00} loan that is really {$13000.00} due to the additional fees applied from interest and the additions they force you to sign up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: CO

Complaint narrative:
A wire transfer in the amount of {$7600.00} was sent to Midland mortgage on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Midland mortgage has still not posted the two month mortgage payment to my account and I have continued to assess fees, Ive spoken with representatives in Midland mortgage and is able to tell me the payments have not been posted to my account and I have been given various dates as to when to expect it to post. I would like the fees that have been assessed on this account since the wire transfer was posted as of XX/XX/XXXX to be reversed up until it is physically showing up on my account online

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-07-15 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: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-15 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: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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