vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX sent XXXX XXXX CFO of Exeter LLC an Endorsed bills of exchange and tender with instructions to apply the Principals Balance to the account # XXXX for set off. XXXX XXXX had 5 days to respond in which he did not. Again on XX/XX/XXXX I sent an Opportunity to cure for you not responding in the first 5 days addressed to XXXX XXXX, in which again he was sent Instructions ( tender ) and a copy of the endorsed bill to set off the account. Again CFO XXXX XXXX ignored the Opportunity to cure. It is against the constitution to ignore my right to credit. I sent CFO XXXX XXXX A copy of the federal reserve section 16 stating Bills of exchange is legal to use. XXXX XXXX has defaulted in his Obligations and duty to make sure my account was taken care of. It also states applications are exchanged for notes applied for, so i'd like for XXXX to apply those notes to settle the account. 

According to the Federal reserve act, This is Breach of Contract. XXXX XXXX has breached his fiduciary duties. All Im asking is for XXXX to Apply the principals balance to the account for set off. XXXX XXXX and Exeter is injuring me by ignoring my instructions to set off. Injuring me by denying me my rights. 

On XXXX XXXX Exeter received a security collateral ( The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed ) from XXXX XXXX, on XX/XX/XXXX XXXX XXXX CFO for Exeter received instructions to apply collateral to set off account, also received a bills of exchange endorsed. He also received a Power of attorney. XX/XX/XXXX he also received an Opportunity to cure. 

According to the federal reserve I can choose between Tier 1,2, or 3 in which Civil penalties apply. 

Tier 1 - is {$5000.00} a day for ignoring my first letter to apply principals balance and bills of exchanged Tier 2- is which violation, practice, or breach -- is part of a pattern of misconduct; sent an opportunity to cure and again he ignored my request. Seems like a pattern to me. 

Tier 3- knowingly -- commits any violation described in subsection ( a ) ; engages in any unsafe or unsound practice breaches any fiduciary duty and Breach of contract I will be going with tier 3 since XXXX XXXX CFO of Exeter is Knowingly violating my rights. Tier 3 is {>= $1,000,000} a day I'm owed by XXXX of Exeter until this matter is settled. 

I have sent XXXX a Notice of default. He has 5 business days from XX/XX/2023 to settle the matter. XXXX out the account and make sure it shows on my credit report. No late or missing payments. I want XXXX XXXX to respond in 5 days why he won't honor my request yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation
State: AK

Complaint narrative:
Extra principal payments were not applied correctly. Charging daily interest rate based on a 360/360 interest loan. We were told by finance that it was a simple annual loan. Daily interest rate is fluctuating daily even after paying {$200.00} extra every month since we established the loan ( 18 months ) interest should good down since the loan principal goes down, but it does not, it fluctuates daily. We have spoken to driveway finance many times regarding this with NO clear answers. First time XX/XX/XXXX and more recently XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I lived in the apartments XXXX XXXX and one day someone was visiting my apartment and they hit her gate coming in or out. The apartment have video of the person who hit the gate and know that it was not me and also that they were not a resident of my apartment just someone stopping by. I have disputed this debt as well as provided the person who did hit the gate name which is XXXX XXXX she should be responsible for this debt as I explained to the apartments. They have a clear video of this lady hitting the gate and have continued to be a nuisance on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I have a loan with One Main Financial. If I am one day late, just one day, not 15 days or even 30 days, they start calling 2-3 times per day. I believe this is excessive. I dont answer. I will pay, just things are tight so we always have to string things out a bit and are sometimes a week or 2 late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Lost job due to Covid and was told that would work with me on making payments. Made payments via phone monthly but was reported that I was not making monthly payments during this time and negatively impacted credit report and score. Payments would not process on time incurring numerous late fees and other charges. Incorrectly applied payments towards principle instead of interest payments causing more fees to accrue. Would make payments arrangements and the payments would never process causing more fees and negatively impacting credit report. Also after providing prof of insurance on property added insurance and charged me for insurance duplicately. Thus incurring more charges and fees that caused to fall further behind. All this also caused account credit line to be temporarily suspended. Finally caught up by going into branch and talking with a representative. However credit report and score have been damaged tremendously.

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 2023-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American First Finance, Inc.
State: NY

Complaint narrative:
I didnt receive anything about this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
can you ask navy federal about this I'm trying to find the other email where they said they put a lien on my bank account and everything I tried to explain to act federal some one has access to my account. like the checks so called order with this account. like I'm still missing things. I don't know what there doing but they send me balances or withdrawals notice and they restricted everything. and these bill payments like they sent them out but I can view my account. like what's the status. now their gon na cause two bills to go negative again .I was told to wait. but worth things going on my deposit. they gave me credit my own credit deny me credit and then the matching principle of a cash deposit which I didn't recieved. like I got bills to pay so if their intent is not communicate restrict me but transaction still going threw I need my money remittances so I can to a different Bank. and make claim..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: MD

Complaint narrative:
XX/XX/22 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating They do not report any bankruptcies to anybody So if thats the case, how did the credit bureau verify this bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section ( 3, E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit Bureau violated my given right under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy According to : 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 According to : 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 2023-03-27 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.

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 2023-03-27 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX , XXXX on behalf of GE MONEY BANK is attempting to unlawfully collect on a debt. The Reference number is XXXX. 

The debt in question was discharged in Bankruptcy XXXX case # XXXX which was discharged on XX/XX/XXXX in the state of TX . A letter sent to my home address dated XX/XX/XXXX states that there is money owed and pending legal action was implied by referencing a Judgment that has been entered against me. This statement is false and misleading which is in violation of the FDCPA as there is no debt owed and there is no judgment outstanding for this debt. It is also my understanding that debt collectors are not able to sue on time-barred or out of statute debts. The statute is 4 years in the state of California and the letter states the debt is 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 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a call from Citi Bank asking if I had authorized or had initiated a transaction via XXXX for the amount of {$780.00}. I quickly replied I had not. They advised me that whomever had accessed my account had moved money from my savings account to my checking account Citi Bank sent me a text XX/XX/XXXX at XXXX stating my XXXX transfer had been canceled and reversed for {$780.00} and to allow 24 hours for funds to become available ( ref. # XXXX ). 

I followed up with Citi Bank on XXXX asking for a status on the reversed payment. They advised it would take 3-5 business days. 

On XX/XX/XXXX I went to the XXXX XXXX branch and submitted another status report and update on the funds. They had me file again another request for the funds to be returned. They also had me do a police report which I also completed that same day. 

On XX/XX/XXXX I received a call from the XXXX XXXX branch letting me know that the request was denied because " I had initiated the transfer '' and I would need to go in to escalate the issue. 

I went into the branch on XXXX and made filed another request to escalate the issue and spoke with representative over the phone asking me questions regarding the initial transaction. They advised me this could take up to 30 days to resolve. 

They have now mailed me a letter stating they stand with their decision. That I initiated the transaction and they will not return my {$780.00}. 

I have the proof of when they texted me they would return my {$780.00} and I can provide the necessary records to show proof.

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 2023-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
Americollect has put medical debt {$740.00} on my credit that I do not owe and destroyed my credit for a company called XXXX XXXX XXXX. I never signed for it, don't know doctor involved nor why I am being billed as a XXXX VET, XXXX XXXX XXXX XXXX XXXXXXXX receiving free benefits and need the details of this alleged creditor in order to dispute via attorney. This action is a HIPAA violation and a violation of the " no surprise " billing act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
For auto loan customers, illegal practices include prepaid gap coverage that wasnt refunded when loans were paid off early, incorrectly applied payments that led to higher interest charges and fees, and unwarranted auto repossessions.

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 2023-03-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX 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 2023-03-27 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: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. US DEPT OF ED XXXX XXXX U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-03-27 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: IL

Complaint narrative:
Dear, Experian & CPFB I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. And Proof of my Identification that was Used.

THIS IS THE 17TH TIME IM ASKING EXPERIAN TO CORRECT THIS ISSUE, THEY HAVE FAILED ME ALSO I HAVE FRUAD ALERT. NOT ONE PERSON CALLED ME TO VERIFY THESE ACCOUNTS BEFORE OPENNING. I BEEN OUT OF THE COUNTRY FROM XXXX. 
I HAVE BEEN FIGHTING THIS IN WRITING AND ONLINE FOR YEARS. I HAVE BEEN VIOLATED AND MY CREDIT RIGHTS HAVE BEEN VIOLATED. AND EXPERIEN WHO SUPPOSE TO PROTECT CLIENTS HAS FAILED ME AND MY ATTORNEY AND IS ONLY REPORTING A SCAM COMPANY AND ACCOUNT. 
THE OTHER CREDIT REPORTING COMPAINES SAW THIS WAS FRAUD AND REMOVED FROM MY CREDIT FILE MANY YEARS AGO, Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed 3x on my report XXXXXXXX XXXX XXXX XXXX XXXX} As proof of my identity, I have been sent to Experian 17 times of my birth certificate, Social Security card, passport, drivers license. 
ATTENTION EXPERIAN IS WELL PASSED THE 30 DAYS ITS BEEN OVER 4 MONTHS, AND THEY KEEP GIVING THESE COMPANIES EXTENTIONS. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Please do not share my Personal information or Identification with any company, those companies I have been fighting to prove my Innocence for many years. The following accounts was FRAUD when I was out of the country. 
I have been going back and forth with these companies for years, many of them have sold the accounts after it was proven many times it was Fraud. They Illegally sale the accounts and it starts all over again. 
Sincerely, name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/ 2023, a hard inquiry was made on my account and when i found it I reported it within the 1st day. I talked to the JP Morgan Chase Credit department and they confirmed someone tried to open a credit card account in my name but it got rejected, and was also told that they would report that it was a fraudulent inquiry to the credit companies and I asked if I was going to get a confirmation letter, I was told yes. Its been 60 days and no update, no letter from neither and I called XXXX  to see if they was notified and the Chase credit department today to follow up about the letter but they hang up on me when I get to that point. Please step in

Company response to consumer: Closed with non-monetary relief