vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
I paid this vehicle off and I rescinded the retailing agreement contract. The contract is void and has no value. I would like my credit back and my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is in response to your recent claim that the accounts listed below have been verified and that the information they are reporting under my name is accurate. These accounts were investigated by both XXXX and XXXX resulting in removal from my file. 

XXXX XXXX XXXX : XXXX I previously disputed this account. I dont agree with the results of your investigation. Please remove the inaccurate negative information. 

XXXX XXXX : XXXX I previously disputed this account. It was removed from the collectionyet shows as a closed account still reporting late payments which is damaging for me. I dont agree with the results of your investigation. please remove the inaccurate negative information. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN

Complaint narrative:
Company sent live loan check by mail.and it was deposited by a family member into their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
On XX/XX/XXXX I received a delinquent tax notice from XXXX XXXX for XXXX. The total taxes due were {$4400.00}. The notice stated Mr. Cooper only paid {$3100.00}. I tried to call several times over the course of XXXX  days. Each time I was placed in a queue that lasted for more than an hour before the call was disconnected. I contacted the XXXX XXXX, and they stated that a Tax Assessment was performed in XXXX XXXX and Mr. Cooper was notified of the increase. I submitted the notice to Mr. Cooper on XX/XX/XXXX. An automated reply stating ticket number XXXX was created. 

On XX/XX/XXXX, I received a reply from Mr. Cooper stating they received the documents I uploaded and had forwarded it to their Tax Department. The reply further stated that, " Since the escrow account was with us we will receive tax information directly from the tax collector. We will pay the tax bill first and then adjust your monthly payments to reflect the updated tax information. '' I didn't receive any additional information. 

On XX/XX/XXXX, I received Tax Sale Notice from XXXX XXXX stating that my home was scheduled for a web based tax auction on XXXX  XXXX, XXXX due to a delinquent tax bill in the amount of {$1100.00}. 

I've forwarded this information to Mr. Cooper on XX/XX/XXXX. XXXX. I detailed in my message my extreme dissatisfaction with their failure to perform a trusted and vital function of the most basic requirement as a loan servicer. I also expressed that I am prepared to forward this issue to the XXXX XXXX XXXX and hire private legal counsel if they do not reply immediately. An automated reply stating ticket number XXXX was created. 

I've never missed a payment. Not one. I've upheld my contractual obligations. If I had missed a payment they would have remedies. They should uphold their obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Each month since XXXX we discussed erroneous charge and related interest and fees, and after agreeing to remove the interest and fees were added back. It has become obvious that this approach is habitual and a game to exhaust the customer into submission.

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 2024-04-14 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: DE

Complaint narrative:
The following information does not belong on my account and should be deleted from my account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-14 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: DE

Complaint narrative:
The following information does not belong on my account and should be deleted from my account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
THIS COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have previously disputed these charges directly with the credit bureausEquifax, TransUnion, and XXXX well as with your offices, supplying all necessary documentation to support my claims. These charges are not only fraudulent but have also been reported inaccurately. It is now almost a year since my initial dispute, and despite my efforts, there has been no satisfactory resolution. 

The failure of the XXXX credit bureaus and XXXX XXXX XXXX to conduct a thorough and complete investigation, and of the furnisher and your company to respond to my dispute inquiries, is not only frustrating but is XXXX a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately. 

This unresolved matter has adversely affected my ability to secure housing and is damaging my credit standing undeservedly. Given the gravity of this issue and its impact on my life, I am compelled to escalate this matter to higher authorities, including the FTC and Consumer Affairs, and have already filed a complaint with the Fair Housing Authority Authority regarding the illegal reporting of money judgements without a valid court order money judgement. 

The account and associated fees reported are without merit and inaccurately reflect my financial transactions with XXXX XXXX located in XXXX Michigan and XXXXXXXX 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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have previously disputed these charges directly with the credit bureausEquifax, XXXX, and XXXX well as with your offices, supplying all necessary documentation to support my claims. These charges are not only fraudulent but have also been reported inaccurately. It is now almost a year since my initial dispute, and despite my efforts, there has been no satisfactory resolution. 

The failure of the XXXX credit bureaus and XXXX XXXX XXXX to conduct a thorough and complete investigation, and of the furnisher and your company to respond to my dispute inquiries, is not only frustrating but is e a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately.

This unresolved matter has adversely affected my ability to secure housing and is damaging my credit standing undeservedly. Given the gravity of this issue and its impact on my life, I am compelled to escalate this matter to higher authorities, including the FTC and Consumer Affairs, and have already filed a complaint with the Fair Housing Authority Authority regarding the illegal reporting of money judgements without a valid court order money judgement. 

The account and associated fees reported are without merit and inaccurately reflect my financial transactions with XXXX XXXX located in XXXX Michigan and XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
Realtime Solutions and McCalla Raymer Leibert Pierce , LLC have started foreclosure proceedings for a loan from XXXX in XXXX XXXX, GA on a property I live at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. The foreclosure date is XX/XX/XXXX. The statute to pursue this debt has passed. I was also part of a class action lawsuit because XXXX this is from XX/XX/XXXX " According to the complaint filed by the FTC, XXXX loan-servicing operation deceived homeowners who were behind on their mortgage payments into paying inflated fees fees that could add up to hundreds or even thousands of dollars. Many of the homeowners had taken out loans originated or funded by XXXX lending arm, including subprime or nontraditional mortgages such as payment option adjustable rate mortgages, interest-only mortgages, and loans made with little or no income or asset documentation, the complaint states. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have previously disputed these charges directly with the credit bureausXXXX  XXXX, and Experianas well as with your offices, supplying all necessary documentation to support my claims. These charges are not only fraudulent but have also been reported inaccurately. It is now almost a year since my initial dispute, and despite my efforts, there has been no satisfactory resolution. 

The failure of the XXXX credit bureaus and Experian Rental Bureau to conduct a thorough and complete investigation, and of the furnisher and your company to respond to my dispute inquiries, is not only frustrating but is e a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately. 

This unresolved matter has adversely affected my ability to secure housing and is damaging my credit standing undeservedly. Given the gravity of this issue and its impact on my life, I am compelled to escalate this matter to higher authorities, including the FTC and Consumer Affairs, and have already filed a complaint with the Fair Housing Authority Authority regarding the illegal reporting of money judgements without a valid court order money judgement. 

The account and associated fees reported are without merit and inaccurately reflect my financial transactions with XXXX XXXX located in XXXX Michigan and XXXX aka 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 2024-04-14 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: DC

Complaint narrative:
I call and told the company that the account is fraudulent and I would like for them to check it out and remove the account and return my money from my account. They said they would refund me and they would take action 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 2024-04-14 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: Affirm Holdings, Inc
State: DC

Complaint narrative:
I call and told the company that the account is fraudulent and I would like for them to check it out and remove the account and return my money from my account. They said they would refund me and they would take action immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received 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 2024-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received 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 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened a new chase travel credit card for trip to XXXX. Booked hotel, airline and rental car through chase travel. Upon check out at hotel, amount charged from hotel noted to be less than what I was charged through chase travel. Unable to submit a complaint online with chase, so I called into their help line. When I explained that I was charged almost an additional {$200.00} for the hotel through chase, the response I received was that " They're a business, that's how they make money. They're like a middle man ''. I then explained to that this is not appropriately disclosed on chase travel. i was then transferred to an automated system on chase travel that was not helpful. They advertise on chase.com/travel " competitive rates- take advantage of competitive rates at thousands of hotels and resorts, with no booking fees ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax lowered my FICO score and they won't tell me why they lowered it and won't put it back to XXXX. I have done nothing wrong and nothing has changed in my credit history to require a lower score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jenkins, Wagnon & Young, P.C.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX JENKINS & YOUNG P.C, AS ASSIGNEE OF DEPARTMENT STORES NATIONAL BANK case XXXX. IS SUEING ME FOR A DEBT THAT HAS PASSED THE 4 YEARS LIMIT. THIS INFORMATION WAS INCLUDED IN DOCUMENTATION THAT THEY SENT SHOW LAST PAY DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is in response to your recent claim that the accounts listed below have been verified and that the information they are reporting under my name is accurate. These accounts were investigated by both XXXX and XXXX resulting in removal from my file. 

XXXX XXXX XXXX : XXXX I previously disputed this account. I dont agree with the results of your investigation. Please remove the inaccurate negative information. 

XXXX XXXX : XXXX I previously disputed this account. It was removed from the collectionyet shows as a closed account still reporting late payments which is damaging for me. I dont agree with the results of your investigation. please remove the inaccurate negative information. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC
State: NJ

Complaint narrative:
Bankruptcy appears on my public records with errors this happened over XXXX years now and companies have not validated dates and accuracy

Company response to consumer: Untimely response
Consumer complaint received 2024-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed on multiple occasions with Experian regarding some derogatory accounts that I believe should be removed from my credit report. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX : The responsibility for the payments on this card was given to my ex-wife per our divorce agreement ( uploaded ). The collections should be removed since my ex-wife was in possession of this card and used it without my permission. 

XXXX XXXXXXXX XXXX Account # XXXX : The responsibility for the payments on this card was given to my ex-wife per our divorce agreement ( uploaded ). The collections should be removed since my ex-wife was in possession of this card and used it without my permission. 

Please investigate and provide Proof with statements showing that I was responsible for these payments when my court documentation says that I am not. If proof can't be provided, I demand these accounts to be removed as they were not my responsibility.

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 2024-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Was in the process of applying for an house and notice there are damages on my credit report that's affecting me. According to 15 U.S.C 1681 there should not be any damages on my credit report. This is defamation to my character.

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