vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
In XXXX of XXXX I purchased a XXXX XXXX XXXX from US Auto Sales located in XXXX, SC. I was reported late only once when I was put on leave from work due to a difficult XXXX. In XXXX of XXXX I was notified via email that I would now need to start making my payments through Westlake Portfolio. Prior to the due date of my first payment I contacted US Auto Sales regarding my warranty and the process to start a claim due to an ongoing service issue with my vehicle but was redirected via IVR to Westlake. I spoke w/ a rep who informed me ( in so many words ) that my warranty was void, they were not responsible for it and I would not be able to have my car serviced under my warranty but that my payment amount would remain the same. I received my first correspondence via mail from Westlake 3 weeks ago threatening repossession and after speaking with an attorney I paid Westlake {$270.00}. Another payment was submitted to them on XX/XX/XXXX, in the same amount, and on XX/XX/XXXX I woke up to find that my car had been repossessed. I contacted Westlake who could provide NO information as to what company had taken my vehicle or where it was and stated that I would have to pay off the car in full before it would be returned. They stated they had no record of my previous payments. I'm a XXXX  mom of a XXXX XXXX old and worked extremely hard to purchase that vehicle only for it to all be a waste.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I am the owner of XXXX XXXX XXXX The business leased a Vehicle Through Honda Financial Services. Honda Financial Services is reporting it to all credit reporting agencies as a personal loan on my personal credit. We lease 3 vehicles every 3 years for company use. These vehicles have never reported on any of the owners personal credit. When purchasing the vehicle I made it clear if it was going to be reported on my personal credit I had no interest in leasing the vehicle. I am attaching the most recent statement showing the account is in the name of the business. The is clearly a violation of federal law in reference to inaccurate entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute XX/XX/XXXX with experian and transunion, XXXX on some items that are showing on my credit report incorrectly. 

XXXX showing XXXX status shows open : I told them to provide me with a copy of my signed contract with this company as I have no knowledge of them or this amount and I have no open account for this amount. They responded in a few days that it meets Fcra requirements and closed my dispute. I have the right to see what this is and why its being reported this way. My guess is this was sold from an orginal creditor which i thought was against FCRA regulations, on top of it all the information is not accurate and I asked it be removed from my credit report. 

The other item was XXXX recovery in the amount of {$500.00} also showing opened as of XX/XX/XXXX, again no proof was provided to me, however i did get a 1099c a few years ago around this amount, and if it is the same account they its already been claimed on taxes and can not continue to ask me to repay this to a company I dont even know who they are, or if this is the same debit. This needs to be removed also from my credit report. 

Lastly is XXXX XXXX. Due to Hurricane Ian back in XX/XX/XXXX national emergency i applied for a forbearance with XXXX XXXX  they told me i didnt have to pay the mortgage for 3 months and the balance would be added to back end of my mortgage, once the forbearance was done they reniged and told me i had to pay it back. So they added to my monthly payment going foward which i have paid on time each month, so I have been current based on their agreement, yet its reporting negativly on my credit report. This needs to be update as not being current 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 2023-08-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute XX/XX/XXXX with experian and XXXX, XXXX on some items that are showing on my credit report incorrectly. 

XXXX showing XXXX status shows open : I told them to provide me with a copy of my signed contract with this company as I have no knowledge of them or this amount and I have no open account for this amount. They responded in a few days that it meets Fcra requirements and closed my dispute. I have the right to see what this is and why its being reported this way. My guess is this was sold from an orginal creditor which i thought was against FCRA regulations, on top of it all the information is not accurate and I asked it be removed from my credit report. 

The other item was XXXX XXXX  in the amount of {$500.00} also showing opened as of XX/XX/XXXX, again no proof was provided to me, however i did get a 1099c a few years ago around this amount, and if it is the same account they its already been claimed on taxes and can not continue to ask me to repay this to a company I dont even know who they are, or if this is the same debit. This needs to be removed also from my credit report. 

Lastly is XXXX XXXX. Due to Hurricane Ian back in XX/XX/XXXX national emergency i applied for a forbearance with XXXX XXXX  they told me i didnt have to pay the mortgage for 3 months and the balance would be added to back end of my mortgage, once the forbearance was done they reniged and told me i had to pay it back. So they added to my monthly payment going foward which i have paid on time each month, so I have been current based on their agreement, yet its reporting negativly on my credit report. This needs to be update as not being current 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 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc.
State: NJ

Complaint narrative:
The Company name is REMEX , INC . 
They have called me at work, demanding payment, telling me to borrow the money from someone.

I have asked that they send me proof of this debt, the man told me no that it had already been sent, I told him that I had never received anything. And asked him to resend me any documents that can verify this debt, who it is from and the amount owed.

I then told him, once I receive this information, if it was indeed legit that i'd be happy to go on a payment plan of XXXX XXXX per month - again he told me no, that it needed to be paid in full. 
After explaining several times that I would not just a pay someone that I had never heard of nor received any information regarding money owed, and asking for documentation to be sent to me and after that time if it were legit we would work up a payment plan. 
I still have not received anything, but have just noticed that this is now on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
back on XX/XX/23 i sent transunion a dispute to look into the matter of my credit report being inaccurate. I have sent multiple request and have gone unheard and this is also causing me some stress because im in the process of finding a house for me and my family but have not been able to resolve this issue. Please help me resolve these things that are hindering me financially.

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 2023-08-03 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: OH

Complaint narrative:
False reporting

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 2023-08-03 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: IL

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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: IL

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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On Sunday XX/XX/23, 11 unauthorised transactions were done by someone from my paypal account. Money was transferred to someone in Canda, I raised the issued with paypal team in half an hour of these transactions, however paypal refunded for 7 transactions and 4 transactions were kept on hold, even after repeated emails and calls they didnt do anything and remaining transactions also got cleared from my account. After hundreds of followup, paypal refunded me for three more transactions keeping 1 transaction as pending.

Kindly help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03 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: NM

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 un 15 USC 1681. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 and 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 ) (! ) A personal 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 2023-08-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I'll never live at the following addresses this is incorrect : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete the following incorrect employer : 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 non-monetary relief
Consumer complaint received 2023-08-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I'll never live at the following addresses this is incorrect : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete the following incorrect employer : 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 2023-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I have been disputing an account thats has been being reported on my credit report since 2018. This account has been paid off since 2018 and I have been disputing it for three years. I have emailed a statement from XXXX XXXX to the debt collection agency verifying the account was paid off. The agency said it wasnt sufficient enough and they wasnt going to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I have notified the following companies : XXXX XXXX and Bridgecrest regarding fraudulent accounts reporting on my credit report. No response by either company.

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 2023-08-03 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: NY

Complaint narrative:
Company removed one of the 30 day late payments but not the one that was disputed. The 30 day late payment in XX/XX/XXXX was paid and all evidence shows it was paid but is still incorrectly on my report as a 30 day late. The company removed the late payment from XXXX but not the one from XX/XX/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 2023-08-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting additional documentation to support my dispute against Transunion Credit Bureaus process of handling one ONLINE dispute per month. This credit bureau is not compliant with the FCRA and it does not allow for current and accurate monthly credit reporting updates to be made by the consumer, therefore they are causing issues with the consumer public at large on updating their own credit information. No other credit bureau such as XXXX or XXXX prevents a consumer from issuing more than one dispute at a time on unrelated credit accounts! Transunion is also taking additional time up to 15 more days to update one account dispute at a time, thereby extending their investigations past 30 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 explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
.... The XXXX XXXX, NY ] Webster bank branch will not provide paper or electronic statements for my bank/trust account ; nor will the branch assist with setting up on-line access. Whereas, the said branch [ management ] rarely accepts/returns my telephone calls for a discussion to resolve the problem. On occasion, when I was able to speak with the branch manager ( XXXX XXXX ), the discussion concludes with the " intent '' to correct and resolve the problem. However, as of the date of this transmission, the problem still persists as referenced. XXXX XXXX, Successor Trustee. For convenience and edification, a copy of a check is herewith enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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.

has violated my rights. Or list of inquiries 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 2023-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
For the last 3 months, I have been getting double withdrawals on my mortgage. It was reversed the first two times in 3 days after my calling and straightening out the auto-pay process with the bank. I called within three days this time as I did not get the reversal, and I don't understand why it is still happening. The bank is saying they can not start the process until 4 days after it is posted which would be XXXX. 

This is the 3rd time this bank has double-debited my account, and this feels like fraud to me. My bank account empties for days after the double debt, then it takes time to refund me. 

It is important to note that this bank does its paperwork by USPS Mail and not electronically. I did not receive their welcome letter when I started my mortgage a year ago and called at that time to work with their advisors - she did not mention auto pay or the welcome letter. In XXXX I opened a case, and they claimed in XXXX. 
I don't think anyone would be happy about having an additional {$3200.00} taken out on the 1st of every month unexpectedly. The bank is taking my money for 1 week every month- so they earn the interest, and I do not have the money in my account to pay my bills.

Company response to consumer: Closed with explanation