vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX OLD Address : XXXX XXXX XXXX XXXX XXXX al XXXX NEW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/1991 I received a letter in the mail concerning the unauthorized inquiries on my account. You stated that they all were factual. If they were factual and you did the proper investigation can you provide me with a description of the procedure used to determine the accuracy and completeness of the information? Including the business name and address of any furnisher of information contacted in connection with such information and the telephone number. I expect to get this information by not later than 15 days. Thanks for your time.

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 2022-10-08 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The auto finance company " Capital One Auto Finance '' Has failed to agree to the terms of the account listed below. 
I was provided a letter after a settlement agreement, stating " Your Account is settled in Full '' " We will report this account as settled for less than the full balance to the four major credit reporting agencies '' My XXXX report status for this account says " Account paid in full, was a repossession '' This is not what I was advised it should read. 

Capital One Auto Finance Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
I am behind on my mortgage so I applied for assistance on XXXX XXXX 2022. On XX/XX/2022 I was approved, and my mortgage company ( Cornerstone HomeLending ) received payments from the XXXX  XXXX XXXX ( State Program ) to bring my mortgage account current. Cornerstone homelending returned the payments to the state on XXXX XXXX 2022. So now my account is in the delinquent status and close to foreclosure. When I called Cornerstone and requested to speak to the manager over the mitigation dept. I was told no one was available, and that they would look into it. I have reasons to believe my mortgage company returned payment so that I can go into foreclosure, and they gain profits by selling my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I called and spoke to My Great Lakes representative. I requested all my XXXX & XXXX optional loan payments to be refunded ( 22 payments totaling {$11000.00} ). I was told 30 days. ( 30 business days would have been Friday - XX/XX/XXXX. ) I have waited over 44 days ( 30 business days ). The servicer is not providing my refund within a reasonable timeframe. The servicer is not fulfilling refund requests in the order that they have been received.

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 2022-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NV

Complaint narrative:
The Collection Agency representing XXXX XXXX account set up a payment arrangement that was met and completed in XX/XX/2019 and it does reflect that the debt was charged off by completion of payment and no balance owed ; however it is still on my credit report as still in collections. I was informed that because I was late paying of the last payment by 30 days, they can keep it as a delinquency for 7 years. This was supposed to come off my credit report upon completion of payments regardless if it was 30 days later than when scheduled, they were paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX  XXXX  LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXXXXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX  shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I went to XXXX XXXX XXXX in Oregon to finance a vehicle on XX/XX/XXXX and only gave them authorization to run my XXXX  XXXX time to see what I qualified for. But instead they ran my credit XXXX times with multiple banks. This reflects on my XXXX, XXXX and Transunion reports and would like this corrected. This was not approved and now I can not get this removed from my credit file. 

I also financed an XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and this dealership did the exact same thing leaving me with XXXX inquiries which i can't removed from my report. This is also reflected on my XXXX, XXXX and Transunion reports. 

Also on XX/XX/XXXX I went into a dealership which was XXXX of XXXX and they turned around and did the exact same thing again. But they stopped after I yelled at them and told them Id report them for fraud. This dealership hit me with 4 inquiries. Below will be a list of all the hard inquiries for 3 separate dealerships on 4 different occasions. 

the fourth time where my credit was shot guned without my approval was XXXX XX/XX/XXXX once again by another dealership. This time it was sent out 8 times. 

This is a total of 27 inquiries when i only own 2 vehicles. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-10-08 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I went to XXXX XXXX XXXX in Oregon to finance a vehicle on XX/XX/XXXX and only gave them authorization to run my XXXX  XXXX time to see what I qualified for. But instead they ran my credit XXXX times with multiple banks. This reflects on my XXXX, Equifax and XXXX reports and would like this corrected. This was not approved and now I can not get this removed from my credit file. 

I also financed an XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and this dealership did the exact same thing leaving me with XXXX inquiries which i can't removed from my report. This is also reflected on my XXXX, Equifax and XXXX reports. 

Also on XX/XX/XXXX I went into a dealership which was XXXX of XXXX and they turned around and did the exact same thing again. But they stopped after I yelled at them and told them Id report them for fraud. This dealership hit me with 4 inquiries. Below will be a list of all the hard inquiries for 3 separate dealerships on 4 different occasions. 

the fourth time where my credit was shot guned without my approval was XXXX XX/XX/XXXX once again by another dealership. This time it was sent out 8 times. 

This is a total of XXXX inquiries when i only own XXXX vehicles. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV sent a notice by mail recently stating they purchased an alleged debt from XXXX  XXXX that is being serviced by Resurgent Capital services however another notice sent by XXXX XXXX XXXX stated that they have the same alleged debt from XXXX  XXXX as well. I am certifying I have no knowledge of this alleged debt and to return back to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT and XXXX account XXXX said to be opened on XX/XX/2018, both parties have violated my rights. 

15 USC 1681 section 602 A - States I have rights to my privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 166b states s creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX  has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights XXXX  XXXX XXXX Account # XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account # XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-08 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: Foursight Holding LLC
State: KY

Complaint narrative:
Hello Forsight Capital is saying that I owe them {$11.00}, XXXX. I am concerned about this because I don't believe that I owe them anything. I am a victim of XXXX  XXXX. Around the time that they say I signed a loan I was under duress and under the influence of XXXX  and XXXX  just to be able to cope with being forced to XXXX XXXX XXXX. I truly don't remember signing for that car. I truly apologize for the inconveniences but I don't know if this company is a legit company because I Foursight said that they sold the account and it shows Charged off on my credit report. So I don't know what is going on. Please can Forsight Capital send me the ORGINAL binding contract signed by both parties & a witness in WET INK signatures? As well as show me the TWO forms of my identification that is needed to obtain a loan and can therefore prove that I was the one getting the loan? I also need the legal name of the company who owns the loan because it's not Forsight Capital. Please send me the ORGINAL binding contract Via third party by CERTIFIED MAIL and/ by the sheriff or CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more 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 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022, I filed a dispute for a debit card charge on my USAA Checking Account for a partial amount due to an incorrect amount charged by the merchant 'XXXX  XXXX XXXX XXXX on XX/XX/2022. XXXX merchant was contacted multiple times to correct the issue, all to no avail. The merchant 's lack of communication necessitated the dispute. 

As per USAA 's representatives, the bank allows a time-frame of 180 days after a charge occurs to file a dispute. I filed the dispute at 166 days, which was within the time-frame. Nonetheless, USAA rejected the dispute due to " untimely filing ''. 

USAA also noted that they " could not find an error with the charge ''. However, the bank failed to contact me to request documentation regarding the error. 

I wrote a letter to USAA Federal Savings Bank on XX/XX/2022 to refute this rejection of my dispute. The letter outlined the inaccuracies in the rejection notice. It also supplied the documentation that they failed to request from me. Unfortunately, USAA did not respond to my letter. I re-sent the letter multiple times by fax, most recently on XX/XX/2022, but they have still been unresponsive. It should not take two months to respond to a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been an authorized user on a XXXX Account and can not see it on my credit report I have notified XXXX and Transunion and they keep sending me back and forth on the situation I just want it that when I use the card and make ON -Time payment that it shows on my report as well. Can someone Please help me get the XXXX account added to my 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 2022-10-08 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: CA

Complaint narrative:
This correlates to my prior complaint on XXXX XXXX XXXX. 
XXXX XXXX XXXX  has reported to CRA on XX/XX/2022 that I am at or over credit limit before addressing their problem at fault of not accepting my payment. This not being reported correctly, and I feel inaccurate account balancing has occured. Previous issues have been corrected, payment method mysteriously works now as well as late fees returned however I have been damaged by an adverse action that requires immediate response and correction as this act has prevented me from obtaining additional credit needed causing much stress and emotional strain.

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 2022-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
Investments in my Robinhood account were compermised or stolen and loss access to my account for over a year unauthorized transaction and withdrawals unauthorized account access ect

Company response to consumer: Closed with explanation