vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states : I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.

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 2024-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I purchased my home with a FHA loan XXXX of XXXX for the loan amount of {$160000.00} In the last 24 years I had at least 2 modification but nothing to justify the increase of nearly {$190000.00} in fees added to my new mortgage. 

I have paid on my mortgage since XXXX of XXXX  and my rate has been lowered a few times during this process yet my balance continued to increase tremendously during modification process yet the paperwork does not reflect this change. 

My modification balance is estimated to have increased nearly {$180000.00} in addition to my mortgage was restarted with brand new 30 year term. 

When I reached out to Chase to get help to resolved this issue regarding my mortgage loan they provided me with incomplete mortgage payment history, they had missing documentation and no explanation of the new inflated balance, yet no resolve. 

Shortly afterwards my mortgage loan was sold to another servicer known as " XXXX XXXX XXXX  ''. 

At the time of the sale to the my new servicer my estimated balance was around {$260000.00}. 

The modification loans Chase refinanced me into were predatory in nature and contain absorbent unjustified fees design specifically to eat up all the equity in the property. 

The paperwork Chase provided does not match the amount of money added to the loan. This has been extremely stressful and caused a lot of back and forth phone call and much concerned for my family. 

Yet Chase has not provided me with any resolve or made any attempt to correct the obvious error in years. Instead they sold my loan to avoid accountability. This is a huge red flag in fair lending practice. I trusted Chase and I trusted FHA!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: FL

Complaint narrative:
I HAVE PROVIDED THIS COMPANY WITH SEVERAL FTC REPORTS AND POLICE REPORTS SHOWING THAT I AM A VICTIM OF IDENTITY THEFT. 
I HAVE ALSO PROVIDED PROOF THAT I AM WHO I SAY I AM, BY WAY OF MY PASSPORT ID, ALONG WITH MY PROOF OF ADDRESS. THIS COMPANY HAS CONTINUED TO IGNORE MY CLAIMS RESULTING IN ME FILING FOR A LAWSUIT. THE FRAUD ACCOUNT IN QUESTION IS ( XXXX XXXX ) THEY HAVE VIOLATED MY CONSUMER RIGHTS FOR YEARS & HAVE NEGATIVELY IMPACTED MY LIFE. THIS COMPANY HAS IGNORED MY REQUESTS, ALTHOUGH I HAVE PROVIDED PROOF OF IDENTITY, A POLICE REPORT, FTC REPORTS, AND FILED A CFPB COMPLAINT PREVIOUSLY. I HAVE SINCE FILED AND WON A LITIGATION AGAINST XXXX FOR THEIR SIMILAR MALICIOUS TACTICS NEGATIVELY IMPACTING MY LIFE. I HAVE REACHED OUT TO EQUIFAX MULTIPLE TIMES AND EXPLAINED THAT THEY HAVE BROKEN THE LAW BY REPORTING THESE FRAUDULENT ACCOUNTS ; FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt. ON XX/XX/ I SPOKE TO A REP AND SHE TOLD ME THAT THEY HAVE PREVIOUSLY REACHED OUT TO THE COMPANIES IN QUESTION AND THAT EQUIFAX DOESN'T DELETE ACCOUNTS OVER THE PHONE WHICH IS A LIE BECAUSE THEY HAVE DONE SO IN THE PAST. THE FCRA STATES THAT NO ITEM CAN BE REPORTED ON MY CONSUMER REPORT WITHOUT VALIDATION AND/OR MY PERMISSION. SO THAT IS ALSO A VIOLATION OF MY RIGHT TO PRIVACY. I HAVE NO CONTRACTS WITH THE ACCOUNTS LISTED ON MY FTC ( XXXX XXXX ). I HAVE REACHED OUT TO XXXX XXXX AND REQUESTED A WET SIGNATURE OR ANY PROOF COLLECTED TO VERIFY IT WAS ME WHO REQUESTED TO OPEN AN ACCOUNT WITH THEM ; THEY HAVE NOT BEEN ABLE TO PROVIDE ANY EVIDENCE ; WITH THAT BEING SAID, WHAT INVESTIGATION IS BEING DONE BY EQUIFAX? IF THE COMPANIES THEMSELVES HAVE STATED THAT THEY DO NOT HAVE ANY PROOF? I SENT ANOTHER FTC REPORT, POLICE REPORT AND A LETTER TO EQUIFAX ON XX/XX/23. AND ON XX/XX/23 I RECEIVED A LETTER STATING THAT MY FTC REPORT WAS " NOT VALID '' BECAUSE OF MISSING INFORMATION, WHICH IT WASN'T. HOW COULD IT BE " MISSING INFORMATION '' IF I FILED IT ON FTC WEBSITE? THIS COMPANY IS COMMITTING BLATANT FRAUD. AND I AM SEEKING NON-MONETARY AND MONETARY COMPENSATION FOR MY DENIED CREDIT APPLICATIONS. I HAVE ALSO BEEN NOTIFIED BY EQUIFAX THAT MY INFORMATION WAS COMPROMISED FROM THEIR OWN DATA BREACH AND HAVE NOT RECEIVED COMPENSATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: IL

Complaint narrative:
I recently checked my credit report again and saw accounts reporting that I do not recognize. Ive submitted multiple claims and proof & still havent received anything in return

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 2024-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
Leased Toyota XX/XX/2023 in XXXX Went to get license plate in XXXX where they knew we lived and couldnt with their paperwork. That was beginning of XXXX called dealership 5 times before someone told us where to call. Called Toyota financial. She said emailed to me and XXXX in XXXX busn days. Nothing. Called back at 7 days and she said they shouldnt have said that, they have until XX/XX/XXXX called back XX/XX/XXXX and she said we emailed. I said send it again. She wouldnt. She said she would mail. She said XXXX busn days. I called back on day XXXX and she said no 15 days. She told me can't try help until after XX/XX/XXXX. Today is XX/XX/XXXX. I asked to speak with supervisor and she wouldnt. I said I know Im being recorded and XXXX asking for supervisor and she put me on hold. I waited XXXX minutes and hung up. I have a lease I am paying on time on a vehicle I cant XXXX XXXX. Everyone I talk to kicks the can down XXXX XXXX instead of actually helping. I just want license plates and cant seem to get them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Opened a Capital One Savor One credit card XX/XX/2023. I received the card and days later two unauthorized transactions were recorded on the account. I reported the transactions while they were pending and Capital One was able to stop the transfer of funds. ( XXXX, {$420.00}, and XXXX, {$71.00}, these transactions were previously reported through this website ). Capital One cancelled the card and mailed out a new card. I activated the card and ordered a XXXX XXXX XXXX through XXXX  for {$23.00}. Apparently, the seller/shipper failed to ship the item and XXXX refunded the transaction amount to the card, however, in the exchange of confusion, Capital One closed and/or restricted the account. 

Capital One issued no letter or statement regarding any reason for the denial of credit. I am requesting an investigation because I believe an unidentified person has accessed the account using my social security numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION
State: NM

Complaint narrative:
Axcess Financial purchased a debt from XXXX XXXX years ago and both companies have been reporting XXXX false debts to my credit for almost 9 years now. I called XXXX XXXX to pay my balance of {$330.00} and they did not close the account and tried to charge me cancellation fees and late fees which caused the debt to be {$560.00} so they have been scandalous making it look like XXXX separate debts and the ones they sold it to are reporting it as well. This is beyond criminal. I have disputed it more times than I can count over 9 years and they keep lying and its never resolved. Please help, I cant take any more mental and emotional abuse from these creditors and I can't afford for them to keep ruining my credit with lies. Here is the company information for both. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Axcess Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The balance is incorrect at {$11000.00}. The last date active is incorrect. I have disputed this inaccurate information four times with all credit bureaus with no resolution, nor did they send results via US mail. XXXX and XXXX have complied and removed this inaccurate account from my reports. I attached proof to this complaint. Under the FCRA, Section 611 ( a ) ( 1 ) ( A ), it is mandated that consumer reporting agencies ( credit bureaus ) must ensure the accuracy and completeness of consumer information in their reports. This includes investigating and correcting inaccurate or outdated information when consumers dispute it. You have the right to dispute any information on your credit report that you believe to be inaccurate, and the credit reporting agency is required by law to conduct a reasonable investigation and remove or correct any information that can not be verified as accurate.

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 2024-02-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Experian, I Was Looking At My Credit Report And These Accounts Looks Weird To Me The Last Date Of Activity The Last Date Of Payment The Account Number The Account Balance Everything On This Credit Item On My Credit Report Looks To Be Incorrect Can You Please Delete This Item For My Credit Report Because It'S Not Accurate And It Is Not Complete I Greatly Appreciate You. 
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 2024-02-12 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
These are unauthorized inquires being reported on my Transunion credit report. I have submitted an identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AUTO CREDIT USA
State: OH

Complaint narrative:
Upon further investigation I noticed the notary has become in breach of its oath in connection with my consumer credit transaction with Auto Credit USA and XXXX XXXX XXXX XXXX. Specifically I was not present for XXXX XXXX XXXX to verify my signature. I have the original contract as proof of claim. I gave them more than 21 days to cure with no response. I have the registered mail numbers and copies as proof of 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 2024-02-12 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: IL

Complaint narrative:
I recently checked my credit report again and saw accounts reporting that I do not recognize. Ive submitted multiple claims and proof & still havent received anything in return

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 2024-02-12 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: TN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-12 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: CA

Complaint narrative:
I contacted Experian via phone and US mail to tell them about an account on my credit report that did not belong to me. I was told by XXXX that my confidential information was leaked during their data breach and that account was a result of identity theft. I have sent Experian my letters with an FTC report documenting the data breach and fraudulent account and they have not done anything to help me. They keep telling me its verified but thats all, no proof provided at all. i know for a fact that account is not mine because i did not recieve any goods or services from that creditor and the creation of that account was not authorized by me. This inaccurate account is detrimental to my credit health and make my finances take a toll for me and my family. Doing further research I learned that there are FCRA laws in place to protect consumers from inaccurate reporting and Experian is doing that, breaking the law! FCRA 605B ( 15 U.S.C. 1681c-2 ), FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting, FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts, Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. I KNOW THAT I HAVE GROUNDS FOR A LAWSUIT BUT WOULD LIKE TO AVOID THAT LENGTHY PROCESS!!

I beg you to please remove this inaccurate account!

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 2024-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DataMax Corporation
State: NC

Complaint narrative:
I spoke with the original owner of the debt twice and DataMax twice regarding the discrepancies with my healthcare bill details and my request for proof of debt/validation from XXXX of 2023. My request for an itemized invoice for cost breakdown were denied. My request for assistance with payment options and/or reduced fees due to low income were denied. Nothing was emailed/faxed/mailed after this request, in XX/XX/2023, despite multiple attempts and assertion of my correct address and contact details. DataMax did not return my most recent voicemail from XX/XX/2023. I spoke with XXXX from DataMax on XXXX, and was told there is no record of my requests. I was told I dont have any recourse regarding my credit report now that the bill has been reported, only to pay the bill. After contacting XXXX XXXX XXXX, they stated my only recourse was written appeal request. When asked why this was appearing on my credit report against the Fair Credit Reporting Act, XXXX XXXX XXXX stated they had never heard of this law. Now the debt has appeared on my credit report, dropping it by XXXX points, as my first and only collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM financial has added property taxes to our lease bills for personal vehicles leased by our company. We have requested copies of these supposed bills multiple times and GM financial has stated they do not have the ability to produce them. 

We have researched with the state of Texas and our county and they show no bills due. They have also stated that there is no taxes assessed on vehicles used for personal purposes. GM financial is aware that the vehicles are for personal ( non-revenue generating ) use as we have signed affidavits them. 

They have gone so far as to charge us for a vehicle that was turned over XXXX years prior. 

My questions is, are they required to produce copies of these " pass-through '' bills before requiring that they be paid?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 ( section 6 0 4 a section 2 ) states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account is reporting incorrect information to my credit reports. This is an illegal practice, according to consumer law. XXXX XXXX has been notified of this error, as have all three credit bureaus as well. They have totally ignored my disputes and have not sent results to my address. Under the FCRA, Section XXXX ( a ) ( XXXX ) ( A ), it is mandated that consumer reporting agencies ( credit bureaus ) must ensure the accuracy and completeness of consumer information in their reports. This includes investigating and correcting inaccurate or outdated information when consumers dispute it. You have the right to dispute any information on your credit report that you believe to be inaccurate, and the credit reporting agency is required by law to conduct a reasonable investigation and remove or correct any information that can not be verified as accurate. The date opened is incorrect and does not match the information on all reports. No, term months are incorrect and do not match. The last reported and last day active are incorrect and do not match. I've enclosed and/or provided a copy of all three credit reports for review to support my case.

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 2024-02-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states : I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.

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 2024-02-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states : I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.

Company response to consumer: Closed with explanation