vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I purchased a XXXX XXXX 2012 at this dealership on XXXX XXXX. And they couldn't provide extended warranty and reassured me this car was in great shape and I wouldn't have any problems. Within a few weeks I had to go in because multiple signals on the dashboard showed up. Then a few weeks later I went in twice due to Evaporative emission control system of the car. Then followed up this the XXXX has a massive fuel leak due a hose that needed to be replaced. On XX/XX/XXXX for the first time the XXXX  overheated to the point I needed to tow it. A mechanic diagnosed from XXXX and quoted XXXX items that need attention from the car costing over {$2100.00}. While I acknowledge the offer of assistance through a XXXX provided by the dealership, it is far from covering the financial burden this vehicle has imposed on me. In XX/XX/XXXX I spoke with the manager they aren't able to help me due to this car being old however they can help me get into a new car. It seems coincidental that the only resolution offered involves upgrading to a newer model without any meaningful guarantee that it won't have similar problemsfeels like a pressure tactic. I entrusted XXXX XXXX with my business once, and I am not prepared to make the same mistake again without receiving fair and just treatment. I believe this situation warrants further investigation, as I feel it is unfair to be placed in this position. What troubles me the most is the apparent coincidence that the warranty was only for 30 daysjust long enough for me to discover the issues, but not long enough to receive adequate assistance. I find it unfair and unjust that a car I have owned for just XXXX months would require such significant repairs.. I am writing to discuss my current situation regarding my loan. Unfortunately, my car has become faulty and is no longer operational, which has significantly impacted my ability to manage my finances. Given that the car is not running, I believe it is unfair for me to continue to be responsible for the loan under these circumstances. I would appreciate the opportunity to discuss possible options or adjustments that could be made to my loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the unauthorized inquiry listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiry remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with tis inquiry and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed this unauthorized inquiry from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i asked Specific details as to why I'm being denied credit when I have an XXXX credit score and they give me some XXXX  excuse. According to 15 USC, I can't be denied credit they shouldn't even be using the credit reporting agencies in order to provide me credit but nonetheless, they still do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX XXXX XXXX XX/XX/year> OPP Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Request for Form 1099-C Dear OPP Loan, I hope this message finds you well. I am writing to formally request a copy of Form 1099-C for the account referenced below, which has been charged off. 
Account Information : Account Number : XXXX Account Holder Name : XXXX XXXX As you are aware, the IRS requires that Form 1099-C be issued for debts that have been canceled or discharged, and I would appreciate your assistance in providing this document for my records and tax purposes. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
I was billed for insurance policies in XXXX & XXXX for {$2100.00} and {$2400.00} when I had active policies during both years. The policy for XXXX was purchased prior to closing. Policy for XXXX was uploaded and updated however a policy for {$2400.00} was still purchased. In total they have overcharged me {$4500.00} for duplicate insurance policies they purchased despite my attempts to update my policy in their system. I have tried reaching out to them via phone and email and have gotten no response to either attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
I found issues on my credit report that seem incorrect. I'm upset and believe your agency hasn't ensured the reported information is accurate as required

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My XXXX account was purchased by Citi Bank from XXXX XXXX 
During the transfer processes Citi bank received the incorrect billing/mailing address, my automatic payments were not transferred either. 
This caused me to have XXXX late payment that affected my credit report. 

I didnt receive any information from XXXX XXXX about the transfer. 
I received an email from XXXX that my account was past due, so I called XXXX XXXX. I was told by them that they no longer had any of my information and could not help me. 
I was transferred to CITI bank and after a week, I finally got a hold of someone. 

That is how I figured out all of information was incorrectly transferred.

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 2024-10-18 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Upon reviewing my credit report following the recent data breach affecting numerous consumers, I have discovered an unusual closed account that I have no prior knowledge of or recollection establishing. As is my right under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide complete verification and validation of this purported account. Specifically, I require copies of the original contract or agreement, along with any documentation showing my signature or authorization establishing this account. I am concerned this account may be the result of the reported data breach or potential identity theft. If you can not provide this documentation within 30 days, as required by law, I demand that the account be immediately removed from my credit report. Please send all documentation to my address listed below. Until such verification is provided, I dispute the validity of this account and request that it be reported as " disputed '' to all credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my personal and business checking and saving account out of the blue. I was on vacation abroad and I was left without money. I am a good faith customer of Citibank for more than 20 years, working in the XXXX XXXX. I have always used my accounts legally and rationally.

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 monetary relief
Consumer complaint received 2024-10-17 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 found issues on my credit report that seem incorrect. I'm upset and believe your agency hasn't ensured the reported information is accurate as required

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: SC

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have mailed a notarized Affidavit of Truth to both XXXX XXXX ( see attached ) and The US Department of Education ( see attached ) making it known that no contract exists between me and the corporations DBA XXXX XXXX XXXX and U.S. Department of Education. The affidavit has remained unrebutted. Unrebutted affidavits stand as truth in commerce. XXXX, XXXX, and Transunion have been falsely reporting an alleged debt that does not exist and is not owed o my credit report which has negatively impacted my credit worthiness and reputation. 

In a letter dated XX/XX/year> XXXX XXXX addressed the request as per as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ), however they failed to provide proof of the original contract with wet ink signature. The document ( see attached ) displays a contract from Federal Direct Stafford/Ford Loan/William D. Ford Federal Direct Loan Program with a typed signature and date. I am questioning the legitimacy of the contract and still have requested the following items from XXXX XXXX : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 
* Bond number of the licensed debt collector *Furnish the original contract that shows wet ink signature *Furnish the original contract or security agreement showing repayment of alleged debt I requested not to be contacted by email or phone call as well and was still contacted by them via telephone. 

In a separate letter dated XX/XX/year> I was sent a letter from XXXX XXXX stating the alleged account was 90 days or more past due and an outline of consequences of delinquency during on ramp period. 

In another letter dated XX/XX/year> from XXXX XXXX, they stated that their records indicate that the last scheduled payment has not been received and the account is now 11 or more days past due. 

Since my initial letter on XX/XX/year>, I have yet to receive any of the information I demanded from XXXX XXXX. 

On XX/XX/year> I certified mailed a final warning to XXXX XXXX stating that if the unverified accounts were not removed, I would resort to taking legal action as per my rights. 

As a result of all information provided, I demand that all account information and personal information associated with XXXX XXXX be removed and deleted and that they cease reporting to credit bureaus

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 2024-10-18 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I recently checked my consumer reports and noticed that there was information on my reports that i did not authorize. under the GLBA and FCRA it is ILLEGAL to furnish any information to any agency without the consumers written consent. I originally had an account with Spectrum they furnished my information to XXXX XXXX XXXX which then furnished my information XXXX, all without my written consent. below i attached a dispute letter to further explain the laws being broken, i demand a deletion at once.

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 2024-10-18 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: IN

Complaint narrative:
FCRA viloations Not mine not my credit cards XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX type Single family XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family not my inquiries XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until 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 2024-10-18 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: IN

Complaint narrative:
FCRA viloations Not mine not my credit cards XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} XXXX Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX type Single family not my inquiries XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until 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 explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The company is Midland credit Management located at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX my account number with them XXXX the original creditor is XXXX XXXX they never sold this company thedebt I contacted the company several times to remove themselves from my credit history they've updated my credit history several times they left {$180.00} negative marks they presented false information to all three credit bureaus XXXX XXXX the original creditor assured me that they never sold my debt to this company that this company is doing this fraudulently and that I needed to report them to you guys that they remove the debt from my credit years ago because it's more than XXXX XXXX XXXX it's illegal for it to even still be on my credit they presented false information and false documents saying that they were from XXXX XXXX but they were definitely not from XXXX XXXXXXXX at all my credit report from XXXX shows that the account was opened up in XXXX this company is known for committing fraud and breaking the Fair credit act repetitively the dad was charged off back in XXXX I want them removed from my credit history immediately this is fraud XXXX XXXX has no records of the original account because of how old it is

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 APPLY FOR ANY CREDIT WITH THESE COMPANIES I WANT THEM TO BE REMOVED FROM MY CREDIT REPORT THIS SI FRAUD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I am requesting that Westlake Financial cover the costs of filing for arbitration since the XXXX rules do not specify who must bear the filing fees in this case. This arbitration involves a breach of contract by Westlake Financial, as the repossession company they used was not authorized as per the terms of the retail installment contract, which states that only we may repossess the vehicle. Westlake has not provided any documentary proof that the repossession company falls under the we category of authorized representatives. Additionally, this company breached the peace by entering a gated community without authorization. Westlakes response to a prior complaint did not adequately address these violations and deferred responsibility to the third-party repossession company. I seek swift resolution through arbitration and request that all related fees be covered by Westlake Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: First Help Financial, LLC
State: NY

Complaint narrative:
On XXXX XXXX XXXX I paid the current month and the upcoming month in XXXX payment. I called and spoke to a representative at First help financial and was told it was find. The following month the company attempted to draw funds again for the month that was already paid resulting in NSF fee and a mark against my credit for non-payment. 
I called the company again on XXXX XXXX XXXX  to ask about the additional fee and the NSF in the system on my account. 
I requested that the fee be removed and was told that there was a NSF fee and it can not be removed. 
Company refused to reverse the NSF fee. 
This company is not fair to customers and has no representation here in the US that understand financial law.

Company response to consumer: Closed with explanation