vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-06-09 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: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
i whole heartedly disagree with lvnv fundings response to my compliant. Lvnv funding can not prove anything. Account statements and a card holder agreement is not enough proof to collect a debt. i am requiring for lvnv to provide a contract that bears my legal signature that obligates me to even pay this debt. I am requiring for them to provide any internet Ip addresses that proves i initiated anything. the supreme court has ruled that account statements is not considered adequate in debt collection processes. Anyone can fabricate a statement of accounts, any one can get a card holder agreement online. Where is the actual proof this account belongs to me. Also the record should state that the lawsuit was not dismissed because of an expiring statue of limitations. The law suit was dismissed because of lvnv funding inability to provide the necessary documentation that i requested proving the validity of the accounts in question. the lawsuit was dismissed because they could not provide any legal proof! the statute of limitations expired after the case was dismissed. Futher more missing from the information they provided is a bill of sales proving they purchased this alleged debt, A transfer of ownership, any witnesses that appeared during the transfer, and proof they can collect in the state of Delaware. This is information they must legally provide. 

i am asking for : XXXX. ) a contract that bears my legal signature proving i owe this debt XXXX. ) Any internet ip addresses that can be tied to me XXXX. ) bills of sales agreement showing the purchase of the debt XXXX. ) transfer of ownership XXXX. ) witness statements that this debt was actually sold XXXX. ) proof that they can collect in my state CFPB please be advised that i will start the litigation process and will use this information as proof against lvnv funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
The following car loan company is of my complaint. 
Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX My account # at XXXX is XXXX XXXX XXXX XXXX XXXX XXXX 
filled out form on the phone with XXXX for a deferment on XX/XX/XXXX after confirming the following payment with him as he spoke with me earlier that after that payment I would be qualified for a deferment Thank you for your one-time Bridgecrest payment made on XX/XX/XXXX using Confirmation XXXX Payment date : XX/XX/XXXX Payment amount : {$340.00} Service fee : {$3.00} Total amount charged : {$340.00} Payment status : ACCEPTED Account number : XXXX Payment method : Debit Card XXXX I was told that I would receive via email a docusign or in the mail. 
2. I called customer service after a week or so and was told someting entirely different : " You must go online to receive docusign. '' I then did not see it there. 
3. I called XX/XX/XXXX to ask what happened, was not given information. 
4. Called XX/XX/XXXX was told it was because of a discrepancy of {$9.00}. Oh so I was told to pay it and reapply. 
5. I paid the following amount Dear XXXX Confirmation number : XXXX Payment date : XX/XX/XXXX Payment amount : {$10.00} Service fee : {$3.00} Total amount charged : {$14.00} Payment status : ACCEPTED 6. Calling to fill out deferment on Friday XX/XX/XXXX I was told the agen could not hear me properly so I told her I will call back in hour. 
7. IN one hour another agent this time a female with the same name as the male agent XXXX said it was too late filll out form and that repo time was next week. 
8. Called again to get yet another agent named XXXX a male, told me I was not able to even apply now had the wrong information about how many payments I made so I simply said I wil report to government agencies of the situation, and that it was not only a setup by lack of information and status but fraud on the part of not helping a consumer with the true information needed. 

This company has other complaints similar and several lawsuits in action that they play XXXX and give false information and isnturctions in order to set up the car owner with a repossession. 
I have health issues and am over the age of XXXX and this is too much for me and my vehicle is essential for my work and eating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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 — Investigation took more than 30 days
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
I writing to dispute the following inquiries and asking for their removal from my credit report. XXXX and XXXX are showing different XXXX XXXX said my payments XXXX a month and the account is charge off and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XXXX XXXX XXXX XXXX, CA downtown branch. It was conspired between 2 branch managers to place a XXXX brown letter box of foreign exchange coin/bill from around the world in custody of Wells Fargo . As they threatened me to call the cops after they became aware of what was in said container. Allow Wells Fargo to Manage this box. Project % 11 of profit to XXXX XXXX XXXX XXXX XXXX. Invest % 9 into Wells Fargo. 20 % into XXXX XXXX XXXX. 20 % into XXXX XXXX XXXX. 20 % into XXXX. 20 % into XXXX XXXX XXXXXXXX XXXX XXXX XXXX " IMA sue yall '' lol

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 2023-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have been overpaying my monthly amount by an extra XXXX per month. I was late on 1 payment and it was sent to debt collections. When I called the debt collections, I was informed that the lender, Firstmark took it back. However, the debt collections company already reported it and now it's showing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please provide validation method and information for the following account XXXX 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 explanation
Consumer complaint received 2023-06-09 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I have not consented One Main to access my credit. However, there is an inquiry reporting from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: OH

Complaint narrative:
I just received a notice about a credit inquiry I did not authorize : New credit inquiry It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. 

INFORMATION FOUND Lender : XXXX Inquiry date : XX/XX/2023

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 2023-06-09 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Hyundia Capital Americ : Balance {$9300.00} Original Payment : {$41000.00} Account Charge off. {$38000.00} In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

The following information is derogatory account allegations are UNTRUE, UNVERFIED, INCORRECT, UNTIMELY NOTPROVEN COMPLIANT 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681a ( 2 ) ( B ) reports containing information soley as to transactions or experiences between the consumer and the person making the report.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2023-06-09 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: NC

Complaint narrative:
company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, and 15 USC 1666b- timing of payments Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-06-09 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have not consented this company to access my credit. However, there is an inquiry reporting from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: FL

Complaint narrative:
XX/XX/2023 the ATM gave an error message and timed out. It took {$100.00}. It proceeded to the next ATM and withdrew funds again. I went to guest services to explain what happened after I logged on and realized the funds went through. I've been on the phone with three different representatives and they never issues provisional funds. I also emailed 5 times and they said I had to wait until the investigation was conducted. They denied my case with little to no explanation. I asked to escalate the issue and they had closed the case. They have not sent me proof of denial or how they concluded the following. 

Date Submitted : XX/XX/2023 Disputed Amount : {$100.00} Dispute ID : XXXX Date Amount Transaction Description XX/XX/2023 {$100.00} XXXX, XXXX, FL XXXX, {$6.00} Surcharge We have completed our research regarding your dispute and have determined that no error occurred. 
Please be aware that you have the right to request copies of the documents that we relied on to make our determination. 
We apologize for any inconvenience that this situation may have caused. Please feel free to contact our Customer Service Department at XXXX or visit support.creditkarma.com if you have any further questions or need any additional information. 
Thank you for banking with Credit Karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act 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 2023-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hertzmark, Crean & Lahey, LLP.
State: AZ

Complaint narrative:
In XX/XX/2023, I rented a XXXX car. After waiting hours for a car that I prepaid for, I got to the registration. While getting the rental car, I asked the representative for car insurance to cover the car in full. The representative provided the cost and I agreed. I asked the representative if this insurance covers the car in fully. I was informed " if anything happens, you can walk away from the car and not get charged. '' I clarified again and was informed the same information. 
After returning the call, I was informed that I would need to pay for damages on the rental car. I was informed the back window was shattered. After speaking to the customer representative, XXXX. I was informed that the insurance I paid for was incorrect and that I would have to pay for the damages. I was never informed there are two different types of rental car insurance to purchase. This is considered false sales practice. I was mislead in thinking I have coverage for a rental car and paid for the service. I was never informed of the additional insurance needed to be purchased when speaking to the representative. I informed them of what I wanted and they provided the cost that I agreed to. 
XXXX calls me back and I informed her of the situation. They asked for a written letter about the situation which I provided. I was informed the situation would be review. Thereafter XXXX called me back and stated I needed to pay for the damages. She then states after disagreeing with the decision that called her out of her name. and I was disrespectful. This is false. The company misrepresented the services offered and mislead me on the service I asked for.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-09 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: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report transaction history. Not to mention as you can see from the attached snippet the account is paid off. The information reflecting on my credit is not accurate. It should be {$0.00}. This has affected my mental health greatly, especially since my utilization is high, other businesses would not work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX I called and requested a Credit Line Increase for my Apple Card from Goldman Sacs. That request was denied for the following reason : " Your XXXX credit report shows you have recently been reported as past due on one or more account ( s ). '' I do not have any " recent '' late payments from my credit report. Last late payment being reported is 5+ years ago thus making this justification false. While still on the phone I attempted to get the reasoning behind this. I was told the issue was escalated to " underwriting '' to get an answer. 

Today, XX/XX/2023, I got a call from Apple Card. The person was calling from their cellphone and engaged in what can only be described as " Stone Walling ''. She refused to provide any information, refused to transfer the call to a Supervisor/Manager ( likely as she was unable to transfer from her cell-phone ) until she hungup on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I purchased a car two weeks after engine light on. Dealer said its as is. They paid for XXXX of a XXXX bill. Then 3 weeks later the engine light came back on. I took it to a dealer and now they say the repair will be XXXX dollars. I owe XXXX so I believe the dealer should buy the car back it's a lemon. I will need to get the car repossessed and it will ruin my credit. I'm a single parent and need a car to get to work...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: IN

Complaint narrative:
I filed a dispute with all 3 credit bureaus they failed re remove the accounts affected by identity theft within 4 days per FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer ALL REQUIRED PAPERWORK SENT CERTIFIED MAIL USPS

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