vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! 

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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! 

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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: CA

Complaint narrative:
Currently the website to make payments is not working : XXXX XXXX XXXXmyloancare.com It appears there was some sort of data breach that is impacting the website- I have been attempting to access the website since Wednesday XXXX XXXX XXXX  Based on the recording when calling in the reps do not have the ability to take or apply a payment, they do not have access to even look at an account. 
This is extremely inconvenient for mortgagees. There has been not notice sent either regarding the possible data breach or next steps to complete a timely payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XXXX, Specialized Loan Servicing LLC, didnt accept our payment for XXXX mortgage in the amount of {$4000.00} and the for the amount we owe last XXXX in the amount of {$1000.00}. The total amount we paid last XXXX was {$5100.00}. They said they sent us a check in which I called them back before the month of XXXX and said I still havent received the check in the mail. They said they will re-isssue a check again so if I receive the first one just toss it. The next day, I went to the mail and found a lot of mail from their company and one of them is with the check issued by XXXX XXXX So I just kept it to show proof that they will be re-issuing me a check in that same amount. Days passed by, I called them again, messaging them through my email and messaging them using their online messaging system, but unluckily, they seem not to answer our question using the our email or their messaging system online. They just kept calling, but still no answer using the email we have sent them or their online messaging system. They kpt sending us mail stating that we are past due on our mortgage. We were past due because they didnt accept our payment to them last XXXXXXXX XXXXThey cashed our payment checks that was sent to them last XXXX. Our bank confirmed that our bill pay payment was cashed at XXXX XXXX by Specialized Loan Servicing. 
Now we wondered why they cashed the checks in XXXX XXXX and sending the payment back to us if they are not accepting our bill pay payment. They said onlyg certified funds. But they cashed our bill pay checks last XXXX XXXX 
Now, were still in waiting for that re-issued check. They said today, it was sent last XX/XX/XXXX. But in fact, another representative told us last Saturday, XX/XX/XXXX, that it was cancelled because it havent been cashed and that theres no re-issuance check yet that was mailed to us. So, this representative today looks like she didnt know what shes saying. She told me that she will send an escalated note totheir manager regarding this. So now, theres stillno check arriving to us. Our mortgage account is showing a past due of {$5300.00}. Our account shows an unapplied/suspense of {$3000.00} in which We didnt know what was that about. Our mortgage has been purchased three times already and Specialized Loan Servicing is the present servicer. They are the worst company. I dont know how they managed to still be in this industry wherein we have seen a lot of complaints about Specialized Loan Servicing , LLC . 
Please act asap!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
Hello Team, I have a checking bank account in bank named Chime. On Friday XXXX  early morning at XXXX i got more than 1 emails notifying my useid, pwd, email and phone number for my banking account has been changed. I reported this online fraud to the Chime bank customer care but they were very cool and did not show any eagerness or concern. i was told to wait for all the 3 fraudulent transactions to be completed so they can raise a dispute. The Chime bank locked my account and then restored my account claiming now its safe to use after verifying my identity. The Chime bank also cancelled my current Debit card and sent me a new debit card. after one day again somebody used my account to make a fraudulent transaction but since there was no money in the bank acct the transaction got declined. My identity got stolen and even after the bank claimed they have secured my account again somebody used my account to do a fraudulent transaction. I need help on this identity theft matter since Chime bank is showing very neglible and muted response. ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
old addresses and phones numbers need to get deleted, under the FCRA 15 u.s.c 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: PA

Complaint narrative:
XXXX has reported that I owe a collection agency XXXX XXXX They have creditor blank, payment history blank, balance update blank. I was provided with no contract binding me to an unknown company. XXXX need to Remove info off my credit report by law. This account 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 2023-11-27 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I spoke with Lexus financial regarding my car payment which is XXXX I told the rep after being in the hospital I only have XXXX to pay would that be ok as I was XXXX short she said thats fine I asked her would it still be considered a late payment she said no just get the XXXX in as soon as you can this was on a XX/XX/2023 I called back Monday XXXX  and the account rep told me the account is reported 30 days late on my credit because of the XXXX thats was delinquent but in speaking with the representative they offered me a deferment on the account and said I should have been offered one previously and they proceeded to tell me it would be XXXX to process it which does not go to the payment its just a fee for processing the deferment however the phone hung up in the process of making the payment I called back to see if it was processed or needed to be done again I went through 2 more representatives which one of them put me on hold and hung up I spoke with one lady saying it would be {$170.00} and not XXXX I was really confused because I already got a confirmation of a payment via email for the {$200.00} I told her that then she proceeds to say your in the wrong department I really dont know let me transfer you? Which was really confusing she also told me I could get a deferment again However my complaint is had I known I could get another deferment I would have used the XXXX and some change on that not pay Half the car note and still get a 30 day late and still pay XXXX for a deferment which could have eventually just went towards the lease payment due to me being on medical leave my checks just came in late was I being ripped off I feel as if Lexus financial kind of scammed me with this one And the representative told me it wasnt going to be late credit reporting because I paid more than half on it and was just due for XXXX which when I called back that was untrue and the last lady I spoke with was very rude and she didnt even want to explain things clearly without breathing hard and being rude I spoke with Lexus financial for 3 hours on Monday with everyone giving me a different story how is this possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  an account was opened with XXXX XXXX XXXX XXXX XXXX me as a cosigner to this auto loan. 

2.The respective owner of the car made payments from XXXX XXXX XXXX 

3. The account was deemed 30 days late on payment on XXXX followed by a " Repossession '' status from XXXX XXXX XXXX, then to a " Charge Off '' status from XXXX XXXX. 

4. On the first week of XXXX XXXX XXXX, I had received a letter from XXXX XXXX XXXX XXXX a law office representing said company reaching out to me to with a claim that XXXX XXXX XXXX filed against me. 

5.Assuming, they reached out to both me and the primary account holder to get the debt taken care of, I believe I was the only one to reach back out to actually settle the account. 

6. With the negative impact this account made on my creditworthiness as an individual all around, I contacted the law office back and we've come to an agreement to settle the account for less than what it was owed from {$3500.00} down to {$2600.00}. 

7. I set up an online account to pay {$74.00} monthly for 36 months to satisfy the account. I however took 10 months to satisfy the debt and pay it off. The date of the last payment was XX/XX/XXXX to which I made a call to the law office in the amount of {$1800.00}. 

8.I was informed that a letter of satisfaction would be sent to me and expect to receive it within 7 business days. When that was not the case and did not receive said letter within the allotted time frame, I had to contact XXXX XXXX XXXX XXXX again to request the letter be sent out to me. I finally received the letter with it dated on XXXX 

9. Now I have been trying to contact XXXX XXXX XXXX in regards with them still reporting the account with a balance, when it was obviously settled and paid, it should've been closed on their end with a {$0.00} balance. Every time i call them, I get transferred to their litigation department, where even then they still have limited information on how they can help me. They say i should receive a " call '' from their attorney, but I still have not received any kind of contact from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXOn XX/XX/XXXX an account was opened with XXXX XXXX XXXX XXXX with me as a cosigner to this auto loan. 

XXXXThe respective owner of the car made payments from XX/XX/XXXX - XX/XX/XXXX. 

XXXX. The account was deemed 30 days late on payment on XX/XX/XXXX, followed by a " XXXX '' status from XX/XX/XXXX - XX/XX/XXXX, then to a " XXXX XXXX '' status from XXXX Current. 

XXXX. On the first week of XXXX of XXXX, I had received a letter from XXXX XXXX and XXXX, a law office representing said company reaching out to me to with a claim that XXXX XXXX XXXX filed against me. 

5.Assuming, they reached out to both me and the primary account holder to get the debt taken care of, I believe I was the only one to reach back out to actually settle the account.

6. With the negative impact this account made on my creditworthiness as an individual all around, I contacted the law office back and we've come to an agreement to settle the account for less than what it was owed from {$3500.00} down to {$2600.00}. 

XXXX. I set up an online account to pay {$74.00} monthly for 36 months to satisfy the account. I however took 10 months to satisfy the debt and pay it off. The date of the last payment was XX/XX/XXXX to which I made a call to the law office in the amount of {$1800.00}. 

XXXX was informed that a letter of satisfaction would be sent to me and expect to receive it within XXXX business days. When that was not the case and did not receive said letter within the allotted time frame, I had to contact XXXX XXXX and XXXX again to request the letter be sent out to me. I finally received the letter with it dated on XX/XX/XXXX. 

XXXX. Now I have been trying to contact XXXX XXXX XXXX in regards with them still reporting the account with a balance, when it was obviously settled and paid, it should've been closed on their end with a {$0.00} balance. Every time i call them, I get transferred to their XXXX department, where even then they still have limited information on how they can help me. They say i should receive a " call '' from their attorney, but I still have not received any kind of contact from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: CA

Complaint narrative:
Credit Bureaus are engaging in deceptive and unfair practices of the FDCPA which it prohibits. They are reporting late payments on accounts that are incorrect and inaccurate. Under law The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEB-GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of the Equifax Information Services, LLC data breach ; since last year XX/XX/2022 I noticed numerous negative items on my consumer credit reports. The negative items were chargebacks, collections, late payments, hard inquiries that were fraudulently reporting. I hired a credit repair agency named XXXX XXXX XXXX and paid them approximately {$5000.00} to repair my credit which was unsuccessful. I have been denied numerous lines of credit, extensions of my credit which has cost well over {$20000.00} in out-of-pocket liquidated expenses because I do not have access to extensions of credit. I have sent a first and second notice to Equifax Information Services, LLC to remove all negative items on my credit report effective immediately. I have also reported fraudulent hard inquiries on my credit report to the Federal Trade Commission. I am attaching my FTC report, my proof that I am a victim of the Equifax data breach as per the Equifax data breach settlement website, credit repair agencies 's first and second agreement invoicing my payment installments, and the first and second notices sent to Equifax Information Services, LLC to remove all negative/incorrect items on my credit report.

Company response to consumer: Closed with non-monetary relief