vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
In XX/XX/XXXX I opened a New lease with Nissan Motor acceptance Corporation for a XXXX Nissan XXXX for a 36 month lease. In XXXX XXXX XXXX traded this car in for a new car. The new dealership paid the remaining balance I had for my monthly lease payments directly to NMAC. I received an end of lease liability statement from NMAC for mostly Excess Mileage and taxes. I went over in mileage an extreme amount. I started making payments immediately in XX/XX/XXXX. I have statements from NMAC for XX/XX/XXXX & XX/XX/XXXX showing I made payments. I was having a hard time financially make my New Car payment and making a monthly payment for the mileage. I called NMAC in XX/XX/XXXX asking what my options were, they brought up to me about making a Settlement for less than what was due and that would satisfy all my obligations. I agreed and made a payment for {$1000.00}. My account was closed, I requested a settlement letter. Later on in XXXX, I pulled a credit report and saw that it indicated under payment history I made 1 payment that was 30 + days late & 1 payment that was 60+ days late, and used the word Potentially Negative in Bold Red on the Credit Report. My lease agreement and obligations for the 36 month lease was paid in full. I contacted NMAC in XXXX & XXXX. I asked them to remove the XXXX XXXX XXXX  late payments from my Credit Report and any Negative terminology. The letters from NMAC indicate " XXXX '' late payments. My credit reports were not updated to reflect the accurate information. Anytime I apply for a loan, credit cards or Mortgage my payment history is being evaluated, and it impacts my credit score more than any other factor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Incorrect personal information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: TX

Complaint narrative:
XXXX, XXXX, and Experian are reporting inaccurate account information. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian are reporting incorrect opening dates, incorrect payment histories, and incorrect closing dates. This is a violation of 15 U.S Code 1681 ( Fair Credit Reporting Act ) I have called XXXX XXXX on multiple occasions, and I have visited two XXXX XXXX branches in an attempt to received proof of the account dates and payment history. XXXX XXXX has failed to provide me with any information regarding the inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and Experian have all violated the Fair Report Act that was established to protect consumers ( Me ) from inaccurate report information ( Them ). I am asking that the inaccurate XXXX XXXX XXXX XXXX XXXX XXXX be delete immediately from XXXX, XXXX, and Experian account.

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 2023-10-17 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: TN

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc.
State: MI

Complaint narrative:
Inaccurate personal information. Names and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Remove all Fraudulent Accounts immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-10-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: B&B Funding, LLC
State: CA

Complaint narrative:
B & B Funding contacted me in XX/XX/XXXX. Stating that they are going to foreclose on my property for a second mortgage that wasn't paid. I was advised that the second mortgage was charged off by the original lender. This was back in XXXX. I didn't hear a word from anyone regarding that second mortgage until XXXX. I thought it was canceled. The person I spoke to said I had to sell my property before they foreclosed on it. The person I spoke to wanted proof I had put it up for sale on the real estate market. He had me send him a picture of the listing, whish I did. He also said the property needed to be sold by a specific time frame. My property sold for {$500000.00} ( XXXX XXXX XXXX ). B & B Funding took {$220.00} ( XXXX XXXX XXXX XXXX XXXX ). The rest was paid to the first mortgage. I received a small amount. I was not aware of this bureau ; I would have contacted you if I was aware of this bureau. I believe it is a zombie mortgage. I was force to sell that was so UNFAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Southwest Business Corporation
State: KY

Complaint narrative:
Two attempts made to properly fill out these forms. Both times rejected, assumed destroyed, and new ones re-sent, due to me not meeting previously untold requirements, according to SWBC, namely in-person notarization, and particular fields of information that allegedly went unfilled, even though thorough review of the 2nd signing attempt was overseen and notarized by an experienced notary public. 

A letter suddenly received days later ( dated XX/XX/2023 ; was not officially notified via email until XX/XX/2023 ) declaring the entire application for foreclosure prevention is now rejected and that I am ineligible, due to an unspecified deadline overrun for the forms to be submitted. Assuming this news is correct, my home will be foreclosed on as early as XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received my full credit report from Transunion, and I noticed my name has been spelled wrong twice as the following. 
XXXX XXXX XXXX, XXXX, XXXX Both of these names that have been listed are not my correct spelling of my name that has been given on my credit report. I have sent out this information via mail as well asking for the correct spelling of my name. This act that was done by this agency can cause problems for me later on down the line with Identity fraud or theft because when or if my credit is pulled my correct name will not appear on my credit report due to these mistakes.

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 2023-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX reported a negative account in my credit report and never called or sent me any notification they had my account or what it was about. I closed an account with XXXX and paid my fees when I did it. Now XXXX Says I owe them more money which was never communicated to me by call, text, email or mail. They gave it to XXXX collections who didn't attempt to contact me at all. They just put a negative collection on my credit. I spoke with tmobile and resolved the situation but XXXX collection ruin my good credit score without making an attempt to clear anything up with me. I was with XXXX for 15 years and never had a late payment because I ran my business phone with 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 2023-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: NC

Complaint narrative:
Someone used my information to enroll in school. They obtained a laptop and the amount of the laptop is on my credit report. The account was opened on XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: TX

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report, which is unauthorized and inaccurate. Upon reviewing my credit report, I noticed this unauthorized inquiry : XXXX - XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
investigation submitted XX/XX/2023 still not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
On XX/XX/2023 I contacted CCM and spoke with XXXX at XXXX in regards to an account that had been placed in their office by XXXX. At the time, XXXX XXXX told me that they ( CCM ) had sent correspondence to me at a XXXX address and a XXXX XXXX XXXX I have not had either addresses ) and the notices went unanswered. I informed her that I had never resided at the address she mentioned, thus making me unaware of the attempt to resolve the debt in question. When I asked about the dates of service, XXXX XXXX told me that I would have to speak with the attorney on the case who was based in XXXX  XXXX. She provided me with the attorney 's name XXXX XXXX XXXX and stated he would be able to answer any questions I had. However, my attempt to speak with XXXX XXXX has been extremely unsuccessful. I was able to log onto XXXX  XXXX and found the petition filed in XXXX XXXX ( not the county I live in ), but the petition filed lacked any exhibits or other information to identify the debt or validate that it belong to me. Again on XX/XX/2023 at XXXX XXXX  I again attempted to reach out to CCM and spoke with XXXX XXXX who again informed me that several notices were mailed to me at the XXXX address and XXXX XXXX XXXX I again informed XXXX that the biggest problem is that they were attempting to contact me at addresses where I had never resided. I informed her that I wanted and was willing to resolve this matter if they could verify and validate the debt as belonging to me and provide me with the dates of service and amount ( XXXX ) due. XXXX refused acknowledge my statement and admit that notices went unanswered because of incorrect contact information. She also refused to tell me where the " bad '' contact information for me originated from. After putting me on hold for about XXXX to XXXX minutes, XXXX XXXX ( he informed me he was a supervisor ) entered the call and informed me that I would need to speak to XXXX XXXX and there was nothing additional he or his company would do to assist me. In short, do not call us any more as there is nothing we will do for you. I do not feel this response was appropriate of fair seeing that the attempts to contact me fell through solely on the part of CCM. Currently, the attorney on this case ( not sure if his office is in XXXX or XXXX   ) has completely refused to provide me with documentation of the verification of the debt. There are not exhibits attached to the petition he filed in court ; he submitted nothing other than his filing sheet and petition. He has since filed with the XXXX  courts a change of venue since I reside in the city of XXXX, yet nothing other than the petition is available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: CA

Complaint narrative:
I havent used my credit in quite some time. I looked at my credit report recently and found several fraudulent accounts. They are listed in my identity theft affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Remove all fraudulent accounts immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
in XXXX of XXXX  i made a lease payment to infiniti financial services which was returned unpaid as i used the wrong stored account. infiniti decided to block me from the web portal leaving me unable to look at my account. they also decided to put me on paperless billing without my consent leaving me with no account information what so ever. after calling infiniti i was told i had to make my payments threw customer service but i could still use my checking account which makes little sense if the reason im blocked from the portal was due to a returned payment via checking account. i quickly learned i would now pay XXXX for every payment i make as there is a few for paying threw customer service this fee is not waved if you are blocked from there portal. i call infiniti on XXXX XXXX XXXX   as i get a notice of a 30 day past due from XXXX XXXX from infiniti financial services i aske why i was not mailed as billing statement or even a email my account is late the agent is only concerned with me making my payment which i go ahead and do after which i start to ask questions on how im suppose to be able to look at my account and know due dates and payoff info or anything. she says i should be keeping up with my due dates and they have called me everyday for two weeks which i argue against as i had no calls from infiniti in my call logs so she says it could show as spam and i should have answered the spam calls so i tell her i dont answer spam calls as its spam and they should come up as infiniti financial services not spam this could have avoided me paying late and resolved this issue without me filing a complaint. the bottom line blocking me from the portal and not sending me statements has left me blind to my account activity and should be illegal this policy should be changed. see attachment for vehicle vin #

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I paid my loan in full as soon as the student repayment resumed. At the time, Mohela had already added interest. I tried to contact them so I could get a payoff estimate without the added interest but it is impossible to contact them, and the payoff calculator page is not available anymore. They do not respond to calls or email messages. I have paid my loan in full and they are still charging me interest. I want the interest removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX - XXXXXXXX XXXX, I noticed multiple unauthorized transactions on my Chase credit card statement, totaling. I immediately contacted Chase Bank to report these transactions as fraudulent. A representative assured me that an investigation would be conducted. 

On XX/XX/2023, I received a letter from Chase Bank informing me that, after their investigation, they determined that I was responsible for the disputed charges. This decision left me both surprised and concerned, as I have always diligently protected my card and promptly reported any unauthorized use. 

Following the receipt of the initial decision letter, I contacted Chase Bank to request a review of their findings and an explanation for their determination. I believed that this was a clear case of fraudulent activity, and I expected a fair resolution. I requested that they reopen the case for further investigation. 

On XX/XX/2023, I received another letter from Chase Bank, stating that they had completed their investigation and that I was still responsible for the disputed charges. This decision left me even more perplexed and frustrated, as I was not provided with any substantial evidence or justification for their conclusion. 

On XX/XX/2023, I made another attempt to obtain more information from Chase Bank by speaking with their customer service representatives. Unfortunately, I was informed that they were unable to provide any written details of the investigation or any specific reasons for their determination. 

Attached to this letter, you will find copies of both letters from Chase Bank ( dated XX/XX/XXXX and XX/XX/2023 ) for your reference. 

I have followed the proper procedures for reporting fraudulent charges promptly and diligently. I have cooperated fully with Chase Bank throughout this process, and I have received no substantive information to justify their decision. I strongly believe that I am not responsible for the unauthorized charges on my account, and I am seeking your assistance in resolving this matter fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EdFinancial Services
State: PA

Complaint narrative:
Back in XX/XX/2023 I was notified by Ed financial that I co-signed a student loan for a XXXX XXXX XXXX. I dont know this person and I never co-signed for a student loan. They are saying the loan is {$31000.00}. I have XXXX identity insurance and they have been trying to get a hold of Ed financial and at first they did reply saying we need to fill out a fraud kit. So they sent me one and I also contacted my local police and they filed the case. We sent that all back to Ed financial and they said they received it and to give them 60 days to review. Now they dont contact me or XXXX XXXX We all have emailed them numerous times with no response. 
I dont want to get a lawyer but that is my next step if this doesnt resolve this whole mess. I have my credit frozen so I dont understand how they can just put me down as a co-signer.

Company response to consumer: Closed with explanation