vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgcrest customer service keeps telling me misleading information and it cuased them to lie to apoint of no return a XXXX XXXXXXXX that now they clsoed my account so I can not cathc uup on payents, or pay off car. The customer folks will not speak to me saying I do not have an account.of what payment amount is due and how many past days I must go under for them to stop repossession. They said {$350.00} will be due and everything will be okay until next month. Then after paying it they did not stop repossession and caused injury to me as a consumer as a worker XXXX XXXXXXXX XXXX XXXX in Lending Act ( TILA ) include failing to accurately disclose the needed funds then changing the story once the money was received. Unfair or deceptive acts by customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I would like to file a complaint against Midland Credit Managment, XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-06 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: MO

Complaint narrative:
Back in XXXX or XX/XX/year> I started school at XXXX XXXX. I dropped out of school XXXX of 2006 because I was XXXX XXXX XXXX and was advised by my doctor at the time to be on bed rest. Later on as I was speaking about the money I did in fact borrow prior to me having my baby on XXXX XXXX, 2006 I learned that there was money borrowed after my child was born from that school. So I started taking this matter up with the school itself. In the process of me taking it up with the school, the school closed down. Later I would find out there was a lot of fraudulent activity involving the school somehow taking loans out on students name. Which the school had several lawsuits as well against the school as well. I have put in several disputes in with no luck of getting the loans that were taking out after XX/XX/year> from that school. Those loans are completely fraudulent. The only ones that belong to me were the student loans that I had prior to XXXX of 2006.

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 2024-06-05 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: NY

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

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 2024-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: MO

Complaint narrative:
I have a loan the American Credit Acceptance. They charged me a considerable interest rate on top of my loan. Now I cant trade the car in because the interest rate is tacked on to my car loan. Nobody will get me out the loan. Im a XXXX veteran who is on a fixed income who needs a bigger car due to my child living with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is my FIFTH validation notice about the alleged debt reporting on my consumer report that needs to be deleted. I requested for validation and verification of this alleged account which they failed to adequately provide me. This agency provided a statement which is a generalized accounting that is NOT accurate because it was NOT a record authenticated.

In my validation/verification letter, I demanded a request for accounting, pursuant to the Uniform Commercial Code ( UCC ) , which is recognized as commercial law. Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.

If this agency is having a hard time understanding the law, my request for an accounting means the request for an accounting you provide me must be signed by someone under authority in order to VALIDATE/VERIFY the information in the instrument ; this is the meaning of what a record authenticated means. A record CAN NOT be authenticated without being signed by someone under authority, therefore theyve not supplied me with adequate information and because its been over 30 days since Ive made my request theyve violated the Fair Credit Reporting Act ( FCRA ) by reporting INVALIDATED information!

A debt collector may not communicate with a consumer in connection with the collection of any debtat any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. And a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

This company is harassing me by saying I owe a debt that is an ALLEGED OBLIGATION and also violated the law by communicating with me at an unusual place and time known by me, THE CONSUMER. I will begin to take legal action if this is not handled properly. CITI 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 2024-06-05 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: AL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I filed a dispute with Experian on XX/XX/year> about a XXXXXXXX XXXX charge off that appears on my credit report. I specifically requested that Experian verify this account by requesting original signed contract to show accuracy of ownership of said account as I do not recognize it. However, I received notification today XX/XX/year>, that the dispute has been verified as accurate without any proof of the verification process nor the original contract to validate ownership. I do not see how an account is thoroughly investigated in a matter of XXXX  days.

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 2024-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I hold two Mortages with NationStar DBA Mr. Cooper I submitted additional principal payments each month, they began applying them to future monthly payments. I called made them aware they were applying the additional principal incorrectly on both loans, they reversed payments and then began again incorrectly applying the payments. I called again, they transferred one loan to a subsidiary this continued, I called again when they issued incorrect XXXX which they kept around XXXX $ in extra interest due to incorrectly applying regular additional principal payments, they corrected one loan but not the other, then transferred both loans to another subsidiary RushMore servicing. I split the payments in my auto pay and place clear instructions with Rushmore that the additional payment monthly is additional principal. Rushmore is refusing to apply it and is placing the added payments toward future principal and interest again. I have kept exact dates of payments all made through XXXX XXXX XXXXXXXX and kept the records of how Nationstar is applying them incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
I am writing today because I have noticed some inaccurate information on the balance of my XXXX XXXX XXXX XXXX. This balance is reporting incorrectly on my credit report and is negatively impacting my score due to it increasing my utilization rate to 77 %. As stated on my billing statement my building cycle was from XXXX to XXXX, and showed my balance at the end of my billing cycle to be {$150.00} ; however your company is reporting that my balance was {$380.00}. This was updated on TransUnion on XXXX. This mistake violates my consumer laws under the Fair Credit Reporting Act. 

The account number is XXXX, my XXXX is XXXX, and my XXXX XXXX XXXX is XXXX. I have also enclosed all the doucement verify my identity and showing proof that this account is reporting incorrectly on my credit reports. 

According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In this case you have not ensured maximum possible accuracy. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section 602 According to the FRCA if an account is not reporting accurate information to my credit report, I have the right to get this account deleted. Please delete this negative and inaccurate account from my TransUnion 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 non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
During a recent trip to XXXX XXXX, Mexico, my phone was stolen. Subsequently, an unauthorized transaction of {$2000.00} was made to an unknown recipient. Upon discovering this fraudulent activity, I promptly filed a complaint with Wells Fargo. Despite providing all necessary information and evidence that I had no knowledge of or involvement in the transaction, my complaint was denied. This decision has caused significant distress, as I am now liable for a substantial financial loss that I did not incur.

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 2024-06-05 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX continued to charge my XXXX XXXX credit card for subscriptions that were canceled. I informed both XXXX and XXXX but they continue monthly charges. I canceled the credit card and XXXX issued a new credit card with different number. Without my authorization XXXX charged the new credit card for the canceled subscriptions. I closed the new account and logged complaints with both XXXX and XXXX. I refused to pay for unauthorized charges. My account with XXXX XXXX was delinquent and late charges with interest added. XXXX resolved the issue with XXXX and all charges plus interest and late fees were reimbursed and I owed nothing but they did not take care of the damage done to my credit report. My score was XXXX and now because of faulty information my credit score dropped to 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 2024-06-05 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: AL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: TN

Complaint narrative:
Hello this is my second time reporting to this agency. I filed a complaint on XX/XX/2024. Asking to verify this bankruptcy on my account. I needed verification from the credit report. AGAIN they did not provide me with any information about how they retained this information. I got my letter back today on XX/XX/2024 stating that everything was verified.. VERIFIED BY WHO? NO DOCUMENTS WERE PROVIDED TO ME. XXXX already deleted it from there credit report due to not having any information on why it was on my report. EXPERIAN FAILED AGAIN TO PROVIDE ME WITH ANY DOCUMENTATION. I NEED THIS DELETED FROM MY CREDIT REPORT IMMEDIATELY.

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 2024-06-05 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: NY

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

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 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Complaint for the Credit Card applications for Capitol One or XXXXXXXX XXXX XXXXXXXX and most of all the Small Business Loan XXXX access is delayed in my applications need to access the XXXX XXXX XXXX XXXX XXXX  with the Act of XXXX XXXX act and XXXX XXXX XXXX XXXX XXXX XXXX XXXXt for the weather climate change drought summer conditions last summer for this summer and for single individuals to stabilize from the many escheated people who's property is to be for the misuse of city police too quickly the they own the homes with century XXXX who's negligence were let be disturbed unitl homes foreclosed from the conflict of broken police rules violating the XXXX amendment of the bill of rights. In compensation for the cfpb I would like just the regular recent rules to help me able to qualify for a small business loan and capitol one credit I think is to be more easy access of credit for economic relief and XXXX XXXX to arrange please for me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XXXX XXXX I reached out to XXXX credit bureau at that time I disputed the following account. NATIONAL CREDIT SYSTEMS ACCOUNT NO XXXX. I requested a full validation of this account pursuant to Federal Law 12 CFR 1006.34 a debt collector is required to provide a consumer who owes or allegedly owes a debt XXXX categories of validation information. 

XXXX. Debt collector communication Disclosure 12 CFR S 1006.34 C 1 2. Debt Related Information 12 cfr s 1006.34 c 2 i v 34 c 2 ix 3. Itemization Related information 12 cfr s 1006.34 c 2 vi viii 4. Consumer Response Information 12cfr s 1006.34 c 4 5. A copy of the originial contract with my signature for this debt. 
XXXX. Full payment history from the original creditor along with the name and address of the original creditor. 
XXXX.Proof that you now own or have been assigned this debt. 

Th e National credit system responed by sending me a copy of a XXXX XXXX XXXX lease in the name of XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The document they provided is XXXX pages long and does not bear any signature please review this document you will see that on page XXXX of XXXX there are XXXX names typed on this document and they are XXXX XXXX, and XXXX XXXX I have no knowledge of this information, also if you go to page XXXX of XXXX under Severability, Signatures, Originals and Attachments you will see there are no signatures on this document under paragraph XXXX this document states that you are legally bound by this document once you sign this document there are no signatures for anyone to be legally bound. this information is inaccurate and a Fraud and must be deleted under the Fair Credit Reporting Act. Furthermore after review the following company XXXX XXXX XXXX XXXX. I found that this company is in violation of Federal Law and State Law this company is not Licensed nor Registered to collect a debt nor report a debt in the state of Florida, this is FRAUD and must not go un punish this company should not be allowed these kind of Fraudulent practices against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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