vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: SD

Complaint narrative:
My complaint relates to the final payment practices for GM Financial. Their website allows for automatic payments from a bank account. However, for the final payoff amount, they force consumers to request a quote, print off the quote with the expiration date on it, and mail a check or money order to their offices. While I understand why this practice was necessary 10 years ago, GM financial clearly has the ability to process a final payment immediately. The unnecessary and convoluted process allows GM Financial to collect an additional 10 days to two weeks worth of interest on an account that would otherwise be paid off. This is a systemic issue and I believe it to be an unfair and deceptive practice. A few weeks worth of interest may not seem to be a significant problem, however, when it is compounded over tens if not hundreds of thousands of loans it amounts to significant consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank currently holds 3 accounts with me XXXX XXXX, XXXX, and XXXX. Due to inactivity, the XXXX card was closed. When I applied to have it re-opened, Comenity needed additional proof of identity instead of utilizing the information not only of the existing accounts but even my online validation of the new account. Comenity sent me a new card after they said they did not know who I was. Additionally, the manager 's manager refused to speak with me in a timely manner and they want me to mail in multiple forms of identification, which is even less secure than the online options. At what point does common sense prevail? I am literally trying to give them money, and yet no one wants to work with a loyal customer, and they do not seem to even know what is going on with their own systems. " XXXX '' is the person that supposedly can fix it, but her contacting you at a reasonable time for both parties seems to not be an option, and no one else wants to help. I was finally offered " faxing '' ( in 2020 ) the additional information, so who knows.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: VA

Complaint narrative:
In XXXX of 2019 I took out a title loan from loan max in XXXX XXXX va to help my daughter with her mortgage. The original loan amount was {$710.00}. Since XXXX she has paid XXXX, today she called to inquire about a payoff expecting ot to be about half of the amount borrowed ( because XXXX has already been paid on the account ) and she was told that the payoff on XX/XX/XXXX would be {$890.00} which is greater than the original loan amount. I feel that this was an opportunistic loan that preyed on people in a tough spot. By the time we are finished paying this loan off for {$710.00}, we would have paid back over 3 times thay amount. How can this be legal? How can you pay on a loan for half of a year and the amount you owe is greater than the original amount?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 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: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
I purchased a vehicle from Car-Mart of XXXX. At first, everything was great. I even co-signed for my daughter to get a vehicle. Then, when I had the vehicle about 75-80 % paid off, it started having problems with the motor. Car-Mart offered to have the vehicle repaired at a shop of their choosing & add the cost of the repairs to my loan. I agreed and took the vehicle to them to have it repaired. The shop they took the vehicle to had it for about 2 weeks before Car-Mart finally called and told us it was ready. They told us that the motor had been replaced. My mother-in-law took my wife to pick it up while I was at work. The next day I drove it to XXXX to work. When I got to work, smoke started pouring out from under the hood. When I opened the hood, there was antifreeze everywhere. Apparently the shop either hadn't secured the hoses or had damaged one of them, I couldn't tell which. I got it back to Car-Mart who sent it back to the shop to be fixed. After a few days, they called to say it was ready. This time when I picked it up, I was less than a block from the dealership when it started having problems yet again, acting like it didn't want to shift properly. Again, they put it in the same shop for several days. Mind you I'm still making payments on a car that I haven't really been able to get any use out of for about a month at this point. Once again I picked up my vehicle only to make it about a mile before it died on me in the middle of the road ( yes, it had gas in it ). This time, after a few days, we were told that the shop wouldn't cover the cost under warranty so we'd have to pay to fix it out of our own pocket ( though it was supposed to be a 'new motor ' ). We talked to a manager who told us that since we were having so much trouble with getting the vehicle fixed that he would dismiss the remaining balance & take the vehicle as a trade in on something else. By this time, my daughter was also having problems with her car which they refused to do anything about. Final straw .... the 'new ' vehicle I got started having transmission problems a couple of weeks after I got it and the car lot wasn't going to fix it unless I could prove it wasn't any fault of my own. I finally walked into the manager 's  office and told him that I was done because of all the run around I had gotten from them. Now, ALL 3 vehicles are showing on my credit report as accounts with outstanding balances, even the one that they 'dismissed ' due to all the trouble I had with it ( making weekly payments on a vehicle that was 'out of commission for about 6 weeks all together ) & the one that started having problems within the first 2-3 weeks. Have they ever been investigated under the Lemon Law?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: AR

Complaint narrative:
I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX {$880.00XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$970.00} XXXX XXXXXXXX {$10000.00}

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 2020-05-26 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX  XXXX {$880.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX {$970.00} XXXX  XXXX {$10000.00}

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 2020-05-26 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$420.00} 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 2020-05-26 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$420.00} XXXX AR 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 2020-05-26 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from 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 explanation
Consumer complaint received 2020-05-26 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from 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 explanation
Consumer complaint received 2020-05-26 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: Lendmark Financial Services
State: GA

Complaint narrative:
on XX/XX/2019 i recieved an iquiry from XXXX. I didn't authorize this transaction.I disputed the inquiry for deletion but nothing was done about this inquiry.I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from XXXX XXXX XXXX. I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from Lendmark Financial S. I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have had my credit pulled this month and I recently found out I am a victim of fraud. I have a few issues going on concerning the accuracy of my name and addresses. 
My name is spelled XXXX XXXX XXXX my DOB XXXX my SS # XXXX please remove any other spelling of my name. 
The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete the following numbers they are not mine:XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have some unverified accounts that do not belong to me please delete : XXXX XXXX # XXXX, XXXX XXXX # XXXX, Please delete this account account it is fraudulent I do not owe XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have had my credit pulled this month and I recently found out I am a victim of fraud. I have a few issues going on concerning the accuracy of my name and addresses. 
My name is spelled XXXX XXXX XXXX my DOB XXXX my SS # XXXX please remove any other spelling of my name. 
The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Please delete the following numbers they are not mine:XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have some unverified accounts that do not belong to me please delete : XXXX XXXX # XXXX, XXXX XXXX # XXXX, Please delete this account account it is fraudulent I do not owe XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I received a scam call trying to collect on a late car loan payment from ally fianc woman with heavy accent named XXXX ph # was XXXX XXXX XXXX backstory I bought out my leased car from XXXX right before the covid 19 shutdown set up automatic payments thru their preferred service provider payment were due to start XX/XX/20 but as of yet I have not received any mail with acct number from XXXX XXXX XXXX XXXX generation is also trying to help me solve this problem as of this afternoon I still was not in XXXX XXXX system and def not showing any missed payment also as per XXXX at XXXX XXXX  there has been a scam similar to this that they are aware of and even if I was a month late I would get a call from them before any collection agency normala provided a acct number for a ally Finance acct and wanted me to send payment to them I told I would do no such thing and would deal with bank directly so no money was sent to them from me but I wanted to let u know about this shady company Ty for any help on this matter 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 2020-05-26 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MN

Complaint narrative:
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account.As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Neimen Marcus bank provided me a payment deferment since my husband was furloughed and then Reported my payment late.

They corrected late fee and interest payments but never fixed my credit report. They told me I need to dispute it.

My credit report * Capital One/Neimn charge account ( last lateXX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Before I move forward with litigation to Credence XXXX XXXX XXXX. I would like if the debt collection agency to stop harassing me about an old, old account that has been disputed and delete off of my credit report from another collection agency XXXX XXXX. This account was not mine account I have Proof from XXXX XXXX that this creditor could not verify the information or proof so there for it was deleted XX/XX/2019. I have that proof. Few month later Credence reported this same account with the same creditor ( XXXX XXXX ) with out sending me any letter to. inform me. I tried to explain to them that this account has been disputed they still continued to illegally report this. My attorney sent them a letter to validate Proof On XX/XX/2019. They never sent in any proof, however this was deleted from 3 credit bureaus on XX/XX/2019. The statue of limitation of this account as far reached over 7 years. Please stop these illegal acts before under the FCRA. I am forced to proceed litigation against them.

Company response to consumer: Closed with non-monetary relief