vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CARS Acquisition, LLC
State: AZ

Complaint narrative:
Car Financial Services is committing Identity Theft, pursuant to 15 USC 1681 ( q ) ( 3 ) by continuously fraudulently reporting to XXXX, XXXX and XXXX, regarding my contract agreement with XXXX XXXX. 

I spoke with XXXX XXXX and XXXX XXXX, via phone, at the XXXX XXXX for Car Financial Services, on XX/XX/, regarding the unlawful reporting by Car Financial Services. I informed both employees that not only was Car Financial Services unlawfully reporting on my credit profile, but reporting TWICE for the same car loan. XXXX XXXX XXXX cited what they believed would be on the contract, as the foundation for the continued Identity Theft, stating that the clause in the box at the top of the contract allowed XXXX XXXX to transfer the contract to an " Assignee. '' I informed both, XXXX XXXX XXXX, that the contract proves that XXXX XXXX is also the " XXXX '' on the contract, not just the seller. XXXX XXXX XXXX cited the fact that the file had been returned to XXXX XXXX due to alleged incomplete payments being made for the vehicle, and XXXX XXXX allegedly paying off the vehicle on my behalf. 

I was contacted by someone purported to be XXXX XXXX XXXX, a legal representative for Car Financial Services. XXXX informed me of the same information as the previous Car Financial Services representatives : that the contract with XXXX XXXX authorized the credit reporting by Car Financial Services and, the contract and payment history are the only available information the company currently has, after returning the file to XXXX XXXX. I, again, informed the Car Financial Services rep that in accordance with 15 USC 1681 the company only had 3o days to prove authorization existed. Car Financial Services still has not and can not produce the demanded documentation, and has refused to act lawfully by ceasing to report the unverifiable derogatory information attached to my current credit profile. 

I filed a previous CFPB complaint for Improper Use of a Credit Report, regarding Car Financial Services ' unlawful unauthorized and duplicate reporting to the the credit reporting bureaus. This complaint resulted in Car Financial Services removing the account showing no derogatory history, but continuing to falsely, and without authorization, report the second alleged account with a negative unverified payment history. 

I have filed and attached a Federal Trade Commission complaint for Identity Theft and an investigation into possible securities fraud regarding the securitization of my identifying information without proper authorization. 

I will also be filing a SEC complaint regarding the same possible issues regarding securities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Just like other negative records, XXXX XXXXXXXX bankruptcy should be scheduled to be automatically removed, or purged, from our credit reports after a specific time-period. 
Furthermore, for a XXXX XXXX bankruptcy case, the time frame is XXXX years after you file for bankruptcy. That means you can expect the record to be removed from your credit reports at the seven-year mark without any effort on your part. My bankruptcy was actually dismissed on XX/XX/2017, not XX/XX/2017. 
Ive already challenged this with XXXX and, thankfully they recently removed this item. 
Please delete this item ASAP : XXXX XXXXXXXX Bankruptcy Dismissed Dismissed XX/XX/2017 XX/XX/2017 XXXX XXXX XX/XX/2017 XX/XX/2017 Thank you in advance for your assistance with this matter.

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 2024-01-08 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: CA

Complaint narrative:
In XXXX of 2023 I sent Experian, XXXX, and XXXX the following complaint. 

" I have suffered identity, theft, and fraud. I never consented to the following accounts, or have any recollection of any transactions. Please BLOCK and remove all fraud within four days as pursuant to the FCRA. Please exercise your grave responsibility to ensure that my privacy is respected and honored. '' The XXXX account was blocked and then rescinded with no lawful authority to do so. 
Pursuant to Title 15 USC 1681 c-2, the following consumer reporting agencies only have the lawful authority to rescind or decline to block under the following conditions.

15 USC 1681c-2 ( c ) ( 3 ) - Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 


SO WHAT NEW INFORMATION DID YOU RECEIVE THAT WOULD GRANT YOU AUTHORITY TO RESCIND MY BLOCK!!!

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 2024-01-08 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: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: SC

Complaint narrative:
Halsted Financial Services XXXX XXXX XXXX, XXXX has sent me several emails saying I have a debt with XXXX for {$3900.00}. I believe this is a phishing email as I don't have account or any relationships with Halsted or XXXX. Nothing is showing on any credit report showing a debt. Also my spyware will not allow me open suspicious emails. This is the email address to a link to get information about account, nfo.halstedfinancial.com and this is the email that this information came from XXXX. This phone number here when you call, you are on hold for a few moments and when you asks for details they can't give you any but what you owe. I did not provide any of my information to them at all when I called them ( XXXX ) XXXX I have had identity thief in XXXX  which for the most part has been taken care of. People are still trying to open credit under myself. This may be part of it! 

I will file a civil lawsuit if they keep trying to contact me when I have no relationship with either company trying to get money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There is a collection account on my credit report from XXXX XXXX XXXX which lists Synchrony Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number SYNCH-XXXX. It is also important to note that the account number on my credit report is not an accurate account number further violating FCRA regulations. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number, then please contact the collection agency and XXXX, and have them remove this account due to inaccurate reporting. If this information is not removed within 30 days, Synchrony bank has the possibility of being taken to small claims court per violation of the FCRA regulations.

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 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
i have a parent plus loan the was taken over by nelnet as of XXXX i have been calling asking for a statement and my balance. I stay on hold for XXXX hours when somebody comes on the state the problem is taken care of and you should receive a statement in the mail. well it XX/XX/2024 and no statement has came. my concern is that they are going to report me as not paying. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: Nelnet, Inc.
State: TX

Complaint narrative:
My federal student loans were recently transfered to Nelnet. They are impossible to deal with. I can not reach a human to resolve my issue after hours of trying. 

I am set up for monthly payments of about XXXX XXXX  and have been on that plan for many years. I am enrolled in autodebit for this amount. 

The Nelnet website now inexplicably indicates that my new monthly payment is more than {$9100.00}. This is approximately my full balance. Nothing changed for them to change my monthly payment. 

I have tried contacting them via their website ( chat and the " contact us '' form ) and email. All I have received is automated responses that don't address my issue. I am currently on hold trying to reach a human, and have been for over 40 minutes and counting. Unless this is resolved, they seem to plan to deduct over {$9000.00} from my checking account this week. This will be problematic. 

My options are to either cancel autopay, which will result in a higher interest rate, or pay my bank for a stop payment, which will cost me {$35.00} and likely create problems for my actual, correct payments that I want and need to make. 

Nelnet has no apparent interest in resolving my issue despite repeated and lengthy attempts to reach them. They need to be held accountable. 

I would very much appreciate some follow-up with whoever oversees Nelnet to help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX Home Mortgage ( my former mortgage lender ) sent me a notice stating that my mortgage will be transferred to Mr. Cooper effective XX/XX/XXXX 
I made XX/XX/ mortgage payment before receiving the any type of formal notice to Mr. Cooper. I always make what I owe monthly plus additional {$930.00} applying towards the principal. Mr. Cooper did in fact acknowledged the receipt of XX/XX/ payment. NEVER explaining {$930.00} additional was applied to my account. 

I tried to call Mr. Cooper on numerous occasions with number provided by XXXX XXXX and I was unable to speak with a customer service rep. I then called XXXX XXXX and explained. The rep at XXXX XXXX told me that they've been getting a lot of complaints from other customers. However XXXX XXXX only had the number I had. 

I was told that I will be receiving a formal payment voucher/statement shortly from Mr. Cooper and there will be 60 day grace period. I am still waiting statement from Mr. Cooper the itemization of what I paid and how the funds were applied to my account. 

I've been receiving calls from Mr. Cooper stating my mortgage payment is being late and I should consider them as a debt collectors. I can not get hold of anyone at Mr. Cooper. WHAT DO I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NJ

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-01-08 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: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed 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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Tribal Lending Enterprise, Inc.
State: NM

Complaint narrative:
I called Ascend loans on Thursday, XX/XX/ since I never received the deposit for {$900.00} for a loan that I was approved for. After several phone calls to Ascend as well as my bank Ascend was advised by my bank to send them a RO8 form because they deposited the money into someone else 's account. The agent stated he spoke with his " higher ups '' and they would receive the form that day. The Ascend agent also stated that I would be receiving an email from them confirming this. However, as of this moment I never receive neither the funds nor the email. 

I called Ascend a few moments ago and escalated the call to a supervisor named XXXX. XXXX told me that the previous agent was incorrect that they do not send any forms to anyone, that Ascend didn't not have to follow any state or federal laws and I have to wait until Wed and if the bank doesn't send back the funds they would do another 3-way call with the bank.

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 2024-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a credit monitoring alert as to XXXX inquiries furnished on my credit profile which was done so without my written or verbal consent. Per 15 USC 1681 I have the right to privacy and also fair and accurate reporting to my consumer credit profile and in this case my consumer rights were violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Back on XX/XX/XXXX there were several fraudulent charges placed on my Truist credit card. 

I reported it and some of the charges were refunded but one was not. I have called several times since to see if when there would be a resolution to this case and have been told each time that I needed to wait until 90 days after the charge was placed so that it could be " escalated '' and researched. 

I waited for the 90 days and called Truist again on Thursday XX/XX/XXXX and was told that the case was still pending - that it would be " escalated '' and that I should call back in 48 hours for a resolution. 

I called again today XX/XX/XXXX and was told once again that the case was still pending. 

I have been charged interest charges and have had my credit score affected negatively. I have expressed this stress to Truist and they keep assuring me that the matter will be resolved soon but all that happens is " escalate '' the case and note it is still pending. 

I always pay my credit cards on time, hold no balances, and have an excellent credit score so this has been particularly frustrating to me. 

I've asked to speak to a manager or someone that can help me further resolve this issue but have simply been ignored on the phone calls and told all that can be done is mark the case as " escalated '' and to call back. 

These are the details for the fraudulent charge that has not been removed : 1- Transaction Details {$430.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transaction Type Debit Receipt Attached No These charges occurred only a day after I upgraded some seats for a flight I had an XXXXXXXX XXXX  and my assumption is that my credit information was stolen there. 

I was issued a new card.

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 2024-01-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO MY CREDIT REPORTS. I NEVER RECEIVED XXXX NOTIFICATIONS IN REGARD TO THE INVESTIGATION RESULTS. I FILED XXXX XXXX XXXX  DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.

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 2024-01-08 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: PA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- # XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report.

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with explanation