vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 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: WHEELS FINANCIAL GROUP, LLC.
State: IL

Complaint narrative:
Creditor has not followed IL state regulations. Creditor also continues to report erroneous and inconsistent data on my consumer profile profile. In XXXX of XXXX I took out a title loan with this agencyI fell behind in payments and in XX/XX/XXXX my vehicle was repossessed as collateral to satisfy the loan. At the time of the loan I was not knowledgeable about IL. state law regulates a title loan 's maximum APR at 36 %. My APR with this loan agency was set at 178.61 %. In Addition to this violation all repossessed collateral according to state regulation satisfies the outstanding debt. Once the loan is defaulted No interest is able to accrue after repo. Not only did this company not adhere to state requirements and regulations, but they also have decimated my credit profile with their incorrect and inconsistent reporting. I have attached 2 separate credit reports ; XXXX XXXX the other XX/XX/XXXX as proof that this creditor reports unfactual and inconsistent information. I disputed with the XXXX Bureau who responded that the information reported meets FCRA Guidelines. XXXX Has failed to conduct a full and thorough investigation, which is another violation of my rights. Therefore I will also hold the Credit Bureau accountable for allowing the creditor to furnish them unfactual inconsistent data. 
A HUGE violation of my consumer rights is LoanMart re-aging of debt. Proof of my XX/XX/XXXX credit report shows Date Last Active of XXXX. However, the XX/XX/XXXX report shows Date Last Active XXXX. No payment has been made on this account since XXXX XXXX. LoanMart re-aged the debt by over 2 years! Next, Loan Mart reports in XX/XX/XXXX, that the date of my Last Payment was XXXX But looking at what They reported on my XXXX XXXX report, No Payment at all was reported in XX/XX/XXXX. 
The payment history reported is all inconsistent, and inaccurate. Payment statuses jump around from 60 days late to 180 days late, then back to 60 days late. This is not AT ALL possible. Next, vehicle was repossessed in XXXX but reporting 180 days late for over 2 years, but never closed or charge-off status. Account remains open and Accrues interest. Seeming to be a current open Auto Loan. Monthly payment of XXXX is reported, which affects my debt to income ratio. This Creditor has hurt my ability to obtain new credit with the false information they have continued to report. This is written defamation of character. I will seek damages from both the Creditor and Credit Bureau. I want this account removed from my credit profile immediately and for the creditor to Cease all reporting and collection attempts of this debt they claim I legally owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXXn accordance with the Fair Credit Reporting act XXXX  Account # 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 a 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 explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I was watching tv I got a request from an unknown person asking for XXXX I declined one second later all my money which was XXXX was sent to a person and said that I sent it which I did not send it Cash App is not helping me they basically said it was an Authorize use Nobodys never seen my phone or pen I do facial recognition I filed a police report I dont know what else to do I did not send it nor do I know the person and Cash App is not helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I received a settlement with this company. I paid in full. The company deleted me from thier system and did not give a title for my vehicle.

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 2022-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Account XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 a 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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Since completion of my Chapter XXXX Bankruptcy ( ended XX/XX/2022 ), XXXX / XXXX XXXX has done the following : Inaccurate credit reporting. 
Credit Reporting Errors. 
Inaccurate Payment History. 
Reported incorrectly on credit report and failed to remove the error. 
Failed to report payments to the credit bureau. 
Credit reports pulled without knowledge or authorization, and without reason for doing so. 
Harassing and illegal debt collection and credit reporting campaign designed to pressure the homeowners into paying more than what the mortgage contract allows. 

I have attached screenshots of Equifax credit report 's " Mortgage Accounts '' Screen. XXXX XXXX has removed mortgage account which is current. A copy of the current mortgage statement is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Account XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 a 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 2022-04-23 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Account XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Account XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 a 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 explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Date XXXX. XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX Date XXXX. XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Since completion of my XXXX XXXXXXXX Bankruptcy ( ended XX/XX/2022 ), Nationstar / Mr. Cooper has done the following : Inaccurate credit reporting. 
Credit Reporting Errors. 
Inaccurate Payment History. 
Reported incorrectly on credit report and failed to remove the error. 
Failed to report payments to the credit bureau. 
Credit reports pulled without knowledge or authorization, and without reason for doing so. 
Harassing and illegal debt collection and credit reporting campaign designed to pressure the homeowners into paying more than what the mortgage contract allows. 

I have attached a current copy of my Mr. Cooper Mortgage statement which is not being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00}.

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 non-monetary relief
Consumer complaint received 2022-04-23 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: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below the account that are reporting on my Credit Reports : Account ; XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}.

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 non-monetary relief
Consumer complaint received 2022-04-23 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: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below the account that are reporting on my Credit Reports : Account ; XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXX  in accordance with the Fair Credit Reporting act 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 a 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 2022-04-23 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXX  in accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Since completion of my XXXX XXXXXXXX Bankruptcy ( ended XX/XX/2022 ), XXXX / XXXX XXXX has done the following : Inaccurate credit reporting. 
Credit Reporting Errors. 
Inaccurate Payment History. 
Reported incorrectly on credit report and failed to remove the error. 
Failed to report payments to the credit bureau. 
Credit reports pulled without knowledge or authorization, and without reason for doing so. 
Harassing and illegal debt collection and credit reporting campaign designed to pressure the homeowners into paying more than what the mortgage contract allows. 

I have attached a current copy of my XXXX XXXXXXXX XXXX  statement which is not being reported

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 2022-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX  account # XXXX, XXXX XXXXXXXX XXXX XXXX account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section A 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-04-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section A 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have sold my home and noticed that my fha loans ( {$10000.00} and {$8300.00} ) and loan modification payoff to hud ( {$59000.00} ) were all going to be paid. My loan modification through loancare llc or XXXX was to include both of the fha loans as well as my missed mortgage payments. I called loancare on XX/XX/2022 at XXXX ( XXXX minutes ) to confirm the modification included the fha loans. The person with loancare did confirm and told me to call fha to figure out why it was still showing. 

I called calfha and they told me loancare made a mistake because those loans are not to be included into any modification. 

I called loancare again XX/XX/2022 at XXXX ( XXXX hour XXXX minutes ) and told them what I had learned. The first girl told me she didnt understand because thats what they were supposed to do for these modifications after Covid. I asked her for a breakdown of what the loan modification amount was for and they refused to send me one by mail or email. I asked to speak with a manager ( XXXX # XXXX ) who also told me no after a long hold time. She said she would give me a verbal breakdown and is as follows {$13000.00} delinquent - something I couldnt hear {$9900.00} taxes and escrow {$35000.00} outstanding principal My mortgage payment before the forbearance was {$1800.00} which broken down is as follows {$390.00} to principal {$940.00} to interest {$570.00} to escrow Principal times twelve months equals {$4700.00} so I dont understand where they got the outstanding principal figure they verbally gave me.

But if I multiply my mortgage payment times 12 ( the time I spent on forbearance ) it comes to {$22000.00}. 

My original loan was for {$270000.00} and I owe {$230000.00}. If I add the {$59000.00} to what I owe it comes to {$290000.00} and if I also add both of the fha loans to that it is {$310000.00}. These numbers dont make sense. Someone there made a mistake and it needs to be fixed. 

Escrow funded yesterday and that means they will receive all amounts. Can you please step in and see that loancare llc or XXXX does the right thing and sends me back the money they dont have a right to? I hope I explained the situation well enough. 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