vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus stated my account received a properly investigation of my disputes but how is that possib ; e if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate. This ground for removal they also violated my rights under : 15USC 1681 SECTION 602SA ; STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : STATES A CONSUMER REPORTIONG AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS According to 15USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want {$1000.00} per violation

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 2022-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. GM FINANCIAL Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
On XXXX XXXX I submitted an email to the company to correct my taxes reflected on the website and complete a new escrow. 

Email included the following : Our taxes recently changed and we also have an homestead exception. Would like to see if there can be another escrow analysis performed since our tax numbers for 2022 have changed. 

After protesting our taxes and homestead exception our taxes have changed. 
Taxes for 2022. 

As of XXXX XXXX nothing has been changed. I sent an email on XXXX XXXX and secure message on XXXX XXXX. My payment is due on XX/XX/2022 and I dont want to keep overpaying on my mortgage payment for escrow. 

We have a VA home loan and my husband is a military veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
The entity XXXX is reporting a XXXX score for me that reflects adverse action for XXXX student loans for XXXX XXXX XXXX These loans were paid off, XXXX in XXXX, and the other in XXXX. I contacted ECSI the company that serviced the loans. On the first contact call a representative pulled up my account right away. She advised that they had not reported anything on these loans in a few years. XXXX uses XXXX and XXXX. I contacted XXXX after launching an investigation that closed out without there being any changes from them as far as removing the derogatory comment effecting my credit score. XXXX shows the accounts as closed and in good standing. XXXX XX/XX/XXXX, I contacted ECSI again with the intent to request that they have XXXX and any of the other Credit Reporting Bureaus delete those student loan accounts from my reports. This time I was given a major XXXX runaround, and put on exorbitant hold times while being told that no loan accounts could be found for myself, or my school, XXXX XXXX XXXX This was just the week following that of which my account was found without any problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 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 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 an account without my written instructions.

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 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 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 an account without my written instructions.

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with a Fair credit reporting act [ CAPITAL ONE ACCOUNT # XXXX has violated my rights. THIS HAPPENED IN THE MONTHS OF 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 has violated my rights. THIS HAPPENED IN THE MONTHS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus stated my account received a properly investigation of my disputes but how is that possib ; e if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate. This ground for removal they also violated my rights under : 15USC 1681 SECTION 602SA ; STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : STATES A CONSUMER REPORTIONG AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS According to 15USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want {$1000.00} per violation

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: S & S Recovery, Inc.
State: FL

Complaint narrative:
S & S Recovery has violated my rights. I am aware of all rights that I have, and which are protected by Congress under the FCRA and FDCPA. I still have not received any communication from S & S Recovery on how to dispute this matter in their office. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1692g ( b ) and 15 USC 1681.

S & S Recovery you have completed your investigation and while under an active dispute process you did not cease reporting 15 US Code 1692g ( b ) but have sold it to other reporting agencies, including XXXX, XXXX, and XXXX, and have requested for the account to be updated to reflect S & S Recovery ( alleged findings ) I did not grant S & S Recovery permissible purpose to obtain the information and report it. 

I have additional questions pertaining to Your investigation? Did you talk to my neighbors, friends, and family? If so, I have a right to the investigation report. so please inform me with whom you completed the investigation. Also according to FCRA, you have violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : S & S Recovery Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC
State: IA

Complaint narrative:
In or around XXXX of 2021, I had an account show up on my credit report from a company by the name of Spring Oaks Capital. I immediately got a phone number and reached out to this company because i did not have any accounts that should have been in collections. The company refused to speak with me stating that I could not and did not give correct verification information to them for the account that I was speaking of. Throughout the next several months, I disputed this account with the credit bureaus and with the company to no avail. XXXX would not properly investigate the dispute properly because they would close said dispute stating information was verified as accurate. I sent XXXX dispute letters via certified US Mail to Spring Oaks Capital demanding that they produce proof of the debt belonging to me. To date, after several phone calls and them acknowledging that they received my dispute, they have still yet to remove this information from my credit report. They have violated several rules of the Fair credit reporting act and have failed to produce the information requested. I do have similarities of the person in which the debt belongs to, however ; ALL of the information does NOT match mine and this debt DOES NOT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX Mortgage Companies XX/XX/XXXX -XXXX XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXXXX/XX/XXXX -XXXX XX/XX/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 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 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 XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/2012

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} SOC SEC ADMIN OFFICE O XXXX XXXX : {$790.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$7600.00}

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 explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00}

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 explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cash Express, LLC
State: TN

Complaint narrative:
Cash Express , LLC called 3 times in the last 30 minutes. Once from their XXXX location, once from their XXXX location, and once from another location that I think is their XXXX office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: CT

Complaint narrative:
THESE ACTIONS ARE ALL TO PUFF THE PRICE OF MORTGAGES ON SECONDARY MARKET OR WHAT CAUSED THE XXXX CRASH THAT ALMOST PUT US INTO A DEPRESSION. 

See attachment herein. American Financial Network recently or yesterday emailed me and asked if I send email attachments in PDF only. This request was after over a thousand emails of correspondence which I had to do because I was continually told different stories about whether I had the right documents by XXXX and American Financial Network. I was told different things even by the same representatives during single conversations, in same day by 2 different representative, and continually every time I called with few to no exceptions. It's 100 % certain that American Financial Network and or XXXX  are going to complain about and use the volume of my emails as an excuse for their actions but the reality is that due to constantly being told different stories/statements about what I had and didn't have, I had no choice but to send voluminous duplicate emails because of continually being told certain documents or all documents that I mailed or emailed were not received. 

Also look at the SECOND ATTACHMENT. Here I was sent contradictory and confusing documents ON THE SAME DAY!! HOWEVER, although both documents are dated the same day of XX/XX/XXXX THE DOCUMENT WITH the XX/XX/XXXX deadline was mailed to me on XX/XX/XXXX and of course never emailed. This company is EVEN doing fraud and deceptive practices IN ORDER TO put me in a bad position and make me fight and be in a compromising position when negotiating. Kind of like coming to an agreement as someone is hung outside a 30 story window in some ways. 

See there new defense they are concocting herein, in attachment. They want to claim that what I sent previously by word was not acceptable. To make this right, the mortgage should be dissolved to a XXXX balance and company trained in having consistency that customers can follow. I believe that due to concerns about the price to sell mortgages at on the secondary market, these companies or American Financial Network and XXXX are using deceptive business practices to avoid doing loan modifications and forbearance of mortgages. This is done so that the mortgages are sold for a significantly higher price on the secondary market such as with the XXXX inflated price scam that put us into the crash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation